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Protecting Office Income During Unexpected Disruption
Even a short-term interruption can have a serious financial impact on an office-based business. Fire, flood, storm damage, or major incidents can force offices to close temporarily, stopping revenue while fixed costs continue.
Business Interruption & Loss of Income Insurance is designed to replace lost income and cover ongoing expenses while your office recovers, helping your business survive and restart smoothly.
What Does Business Interruption Insurance Cover?
- Loss of income or gross profit
- Ongoing rent, wages and overheads
- Temporary relocation costs
- Additional expenses to keep trading
- Loss following insured property damage
Common Causes of Office Business Interruption
- Fire or smoke damage
- Flood or escape of water
- Storm or weather damage
- Theft or malicious damage
- Utility failure following insured events
Understanding the Indemnity Period
The indemnity period is the maximum time insurers will pay out following a disruption. Choosing the correct indemnity period is critical for office-based businesses.
- Common options: 12, 18 or 24 months
- Should reflect realistic recovery time
- Longer periods provide greater protection
- Underestimating can leave income gaps
Why Business Interruption Insurance Is Essential
Many businesses focus on insuring physical assets but overlook income protection. In reality, loss of income is often the biggest risk following a major incident.
- Keeps cashflow stable during closure
- Protects staff jobs and wages
- Supports business survival
- Often required by landlords or lenders
Who Should Consider Business Interruption Cover?
- Small and medium-sized offices
- Professional and consultancy firms
- Customer-facing offices
- Office-based SMEs with staff
- Businesses reliant on premises to trade
FREQUENTLY ASKED QUESTIONS
+- What is business interruption insurance?
It covers loss of income and ongoing expenses when your business cannot operate following an insured event such as fire or flood.
+- Is business interruption insurance mandatory?
It is not legally required, but is often recommended and may be required by landlords or lenders.
+- Does it cover pandemics or shutdowns?
Standard policies usually require physical damage. Non-damage extensions vary and must be specifically included.
+- How do I choose the right indemnity period?
Consider how long it would realistically take to repair, replace equipment and return to normal trading.
+- Can business interruption be added to office insurance?
Yes. Business interruption is usually included or added as part of a combined office insurance policy.