Safeguard your income, wages and fixed expenses when your business is forced to stop or slow due to insured property damage.
Business Interruption Insurance is designed to protect a business’s income, cash flow and ongoing expenses when operations are disrupted due to insured damage to property.
While property insurance focuses on repairing physical assets, business interruption insurance addresses the financial impact of downtime — helping businesses continue paying wages, rent, loan repayments and other fixed costs while recovering. This cover plays a critical role in business continuity and long-term survival after a major loss.
Business Interruption Insurance is commonly arranged by:
Covers the reduction in turnover following insured property damage, allowing the business to maintain profitability during recovery.
Covers ongoing costs such as wages, rent, loan repayments and utilities while trading is interrupted.
Covers additional expenses incurred to minimise disruption or continue trading, such as temporary premises, outsourcing or equipment hire.
Business Interruption Insurance is typically arranged annually, either as a standalone policy or extension, covering loss of gross profit and increased costs following insured property damage.
Sums insured are based on projected gross profit over the selected indemnity period. Optional extensions may include suppliers, customers, or denial of access, with excesses applied per event.
Property damage can stop revenue immediately
Fixed costs continue even when trading stops
Recovery often takes longer than expected
Helps avoid cash-flow shortfalls and insolvency
Provides confidence for staff, lenders and stakeholders
Speak with a broker who understands business continuity risk.
Get My Business Interruption Insurance QuoteImportant: Business Interruption Insurance does not respond unless linked to insured property damage. Pandemic-related closures, disease outbreaks and government-mandated shutdowns are generally excluded unless specifically endorsed. Underinsurance and inadequate indemnity periods are common. Advice from a Seguro insurance broker is recommended.