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PROTECT YOUR BUSINESS OR RENTAL INCOME
What Is Business Interruption / Loss of Rent Insurance?
If your commercial property becomes unusable due to fire, flood, storm, escape of water, structural damage, or other insured events, Business Interruption Insurance ensures your income continues. For landlords, this means loss of rent protection. For owner-occupiers, it means loss of income cover to keep your business running.
What’s Included in Business Interruption Insurance?
Protect your revenue while your commercial property is repaired or rebuilt.
- Loss of Rent – For landlords unable to let their property after damage.
- Loss of Income – For businesses unable to trade during repairs.
- Increased Cost of Working – Temporary premises, staff relocation, equipment hire.
- Additional Increased Cost of Working – Higher-level emergency expenditure.
- Denial of Access – If authorities prevent access to your property.
- Utilities Interruption – Power, water, telecoms disruptions.
- Supplier & Customer Extension – If their premises suffer damage affecting your income.
- Gross Profit & Revenue Protection – Tailored for trading businesses.
- Flexible Indemnity Periods – 12, 24, 36 months or more.
When Business Interruption Cover Protects You
- Fire damage forcing closure
- Flooding or escape of water impacting usability
- Storm or weather damage to roofs or structures
- Structural failure requiring extensive repairs
- Forced closure by emergency services
- Damage to key suppliers or customers
- Utility outages preventing trading
- Long repair times affecting income streams
Why Choose Insure24 for Business Interruption Cover?
- Specialist commercial property insurance expertise
- Tailored options for landlords & trading businesses
- Flexible indemnity periods (12–36 months+)
- Competitive premiums from leading UK insurers
- Dedicated claims support & fast responses
- Portfolio-friendly cover for multi-unit owners
How Business Interruption Insurance Works
- 1. Property suffers damage (fire, flood, storm, etc.)
- 2. Business cannot trade OR rental income stops
- 3. Insurance pays the lost income or rent
- 4. Cover continues until repairs are complete (subject to indemnity period)
- 5. Additional costs such as temporary relocation can also be covered
Suitable for All Types of Commercial Property
Landlords (Loss of Rent)
- Multi-unit commercial landlords
- Retail & high-street units
- Office buildings & business centres
- Industrial units & warehouses
- Mixed-use properties
Owner-Occupied Businesses (Loss of Income)
- Shops & retailers
- Offices & consultancies
- Manufacturing & workshops
- Warehousing & logistics operations
- Food, leisure & hospitality premises
FREQUENTLY ASKED QUESTIONS
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What does Business Interruption Insurance cover?
It covers loss of rent for landlords or loss of income for businesses when property damage makes the premises unusable.
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How long does cover last?
Indemnity periods typically range from 12–36 months depending on your risk and rebuilding timelines.
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Is it included automatically in buildings insurance?
No - it must be selected as an add-on. Many property owners are underinsured without realising it.
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Does it cover utility outages?
Yes - if the outage is caused by an insured peril or impacts your ability to trade.
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Can I cover multiple properties under one policy?
Yes - ideal for landlords with multi-unit commercial portfolios needing loss of rent protection.