Business Interruption & Loss of Income / Revenue Insurance

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Protect your business income, gross profit and cashflow when a claim stops you trading as normal.

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We compare quotes from leading insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

KEEP YOUR BUSINESS RUNNING WHEN THE WORST HAPPENS

Business interruption insurance that protects profit, not just property

A fire, flood, major equipment breakdown or denial of access claim can stop you trading overnight. Business Interruption & Loss of Income Insurance helps replace your lost income and fund the extra costs of keeping your business going while you recover.

What Business Interruption Insurance Can Cover

Financial protection designed around how your business actually earns money.

  • Loss of gross profit following insured damage (fire, flood, storm etc.)
  • Loss of revenue / turnover for service-based businesses
  • Fixed costs & ongoing overheads (rent, wages, utilities)
  • Additional increased cost of working to keep trading
  • Temporary relocation & alternative premises costs
  • Loss of rent for property owners
  • Increased costs to outsource production or fulfilment
  • Losses from damage at suppliers’ or customers’ premises (extensions available)
  • Denial of access / public authority closure
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Common Causes of Business Interruption Losses

Physical Damage & Local Events

  • Fire or explosion at your premises
  • Flooding, storm damage or escape of water
  • Major theft or vandalism
  • Structural damage requiring closure
  • Denial of access due to police or local authority

Supply Chain & Services Disruption

  • Damage at a key supplier or customer’s premises
  • Utility failures – power, gas, water or telecoms
  • Breakdown of critical plant or machinery
  • IT system failures (where covered)
  • Access restrictions around your area (roadworks, local incidents)
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Why Arrange Business Interruption Cover with Insure24?

  • Specialist advice on setting correct sums insured & indemnity periods
  • Experience with complex manufacturing, logistics, retail & office risks
  • Access to major UK insurers and specialist underwriters
  • Help coordinating your property & BI covers together
  • Dedicated claims support when you need to rely on the policy
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“When a fire forced us to close for several months, the business interruption cover arranged by Insure24 kept wages, rent and bills paid while we rebuilt.”

Managing Director, Manufacturing Business

UNIQUE INSURANCE
TAILORED FOR YOUR BUSINESS INCOME

PROTECT YOUR CASHFLOW

  • Cover for lost gross profit or revenue
  • Protection for fixed costs & essential overheads
  • Support with additional costs to stay open or restart quickly
  • Extensions for suppliers, customers & utilities
  • Flexible indemnity periods to match your recovery time
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FREQUENTLY ASKED QUESTIONS

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What is Business Interruption Insurance?

Business interruption insurance covers loss of income and additional costs when an insured event (such as fire, flood or major damage) stops your business from trading normally.

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Is business interruption included automatically with property insurance?

Not always. Some policies include it, others require it to be added. It’s important to check your schedule and wording to ensure the right cover and sums insured are in place.

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How long should my indemnity period be?

Common indemnity periods are 12, 18, 24 or 36 months. The right length depends on how long it could realistically take to rebuild, replace equipment and win back lost customers after a major claim.

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What is the difference between gross profit and gross revenue cover?

Gross profit cover focuses on lost profit after variable costs, while revenue / income cover focuses on total turnover. The best option depends on how your business is structured – our advisers can guide you.

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Can business interruption cover supply chain issues?

Yes, cover can often be extended to include damage at key supplier or customer premises, and sometimes utility providers. These are called “contingent business interruption” or “supplier / customer extensions”.

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