Business Interruption Cyber Insurance

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Protect your revenue when cyber attacks disrupt operations

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

BUSINESS INTERRUPTION COVERAGE THAT PROTECTS YOUR BOTTOM LINE

Why Business Interruption Coverage Matters

When a cyber attack forces your business offline, the financial impact extends far beyond recovery costs. Lost sales, unpaid employee wages, and ongoing expenses continue accumulating during downtime. Business interruption cyber insurance ensures your business survives operational disruptions.

Understanding Business Interruption Losses

Business interruption losses occur when cyber incidents prevent normal operations. These losses include lost profit, fixed expenses, and additional recovery costs.


  • Lost Net Profit - Revenue your business would have earned during downtime
  • Fixed Expenses - Rent, utilities, insurance, salaries continuing during outage
  • Extra Operating Expenses - Temporary solutions to resume partial operations
  • Increased Costs - Premium fees for expedited recovery services
  • Employee Wages - Continued payroll obligations during forced closure

Cyber Incidents That Cause Business Interruption

Ransomware Attacks


  • Systems encrypted and inaccessible
  • Operations halted until systems restored
  • Recovery takes days or weeks
  • Lost revenue during entire recovery period

System Failures & Outages


  • Critical infrastructure compromised
  • Website or applications unavailable
  • Data center breaches causing shutdown
  • Network security failures preventing access

Data Breaches


  • Forensic investigation requires system shutdown
  • Remediation delays business operations
  • Regulatory compliance investigations
  • Customer notification and support demands

DDoS Attacks


  • Website or services made unavailable
  • Online sales channels offline
  • Customer access blocked
  • Revenue loss during attack duration

Real Cost of Business Interruption

The financial impact of cyber-related downtime varies by industry and business size, but losses accumulate rapidly.

Hourly Loss Examples


  • Small Retail: £500-£2,000 per hour
  • E-Commerce: £1,000-£5,000 per hour
  • Professional Services: £800-£3,000 per hour
  • Manufacturing: £2,000-£10,000 per hour
  • Healthcare: £3,000-£15,000 per hour

Extended Downtime Impact


  • 24-hour outage: £12,000-£360,000+ loss
  • 48-hour outage: £24,000-£720,000+ loss
  • 72-hour outage: £36,000-£1,080,000+ loss
  • Plus fixed expenses continuing throughout
  • Plus recovery and remediation costs

What Business Interruption Coverage Includes

Core Coverage Elements


  • Lost Net Profit during operational downtime
  • Fixed Operating Expenses (rent, utilities, insurance)
  • Employee Payroll and Benefits
  • Loan and Lease Payments
  • Extra Operating Expenses for recovery

Extended Coverage Options


  • Dependent Business Interruption (supplier/vendor outages)
  • Contingent Business Interruption (customer losses)
  • Increased Cost of Working (temporary solutions)
  • Cyber Extortion Loss (ransom demands)
  • Crisis Management and PR Support

Business Interruption by Industry

Different industries face unique business interruption risks from cyber incidents.

E-Commerce & Retail


  • Website unavailability = immediate revenue loss
  • Payment processing disruption
  • Inventory system failures
  • Customer order fulfillment delays
  • Peak season vulnerability (Black Friday, Christmas)

Professional Services


  • Client work delays and project halts
  • Billable hours lost during downtime
  • Client confidentiality breaches
  • Regulatory compliance impacts
  • Reputational damage affecting future work

Manufacturing & Production


  • Production line shutdown
  • Supply chain disruption
  • Equipment damage or failure
  • Order fulfillment delays
  • Customer contract penalties

Healthcare & Care Services


  • Patient care disruption
  • Appointment cancellations
  • Medical equipment failures
  • Emergency response delays
  • Regulatory penalties for service interruption

How to Calculate Your Coverage Needs

Determining appropriate business interruption coverage requires understanding your operational costs and revenue.

Key Metrics to Assess


  • Daily/Hourly Revenue (average and peak)
  • Fixed Operating Expenses (monthly)
  • Employee Payroll (including benefits)
  • Debt Obligations (loans, leases)
  • Recovery Time Objective (RTO)

Coverage Calculation Example


  • Daily revenue: £5,000
  • Daily fixed expenses: £2,000
  • Expected recovery time: 72 hours (3 days)
  • Total potential loss: £21,000
  • Recommended coverage: £25,000-£50,000

Why Choose Insure24 for Business Interruption Coverage


  • Expert Risk Assessment - Accurate coverage calculations for your business
  • Rapid Claims Response - Quick payment to minimize financial impact
  • Comprehensive Coverage - Tailored policies addressing your specific risks
  • 24/7 Support - Immediate assistance when incidents occur
  • Competitive Pricing - Affordable premiums without compromising coverage
Quote icon

Business interruption coverage saved us during a ransomware attack. We lost 48 hours of operations, but the insurance covered our lost revenue and fixed expenses. Invaluable protection.

James T., E-Commerce Business Owner

WHAT WE PROTECT


  • Lost profits during operational downtime
  • Fixed operating expenses and overhead
  • Employee wages and benefits
  • Loan and lease obligations
  • Extra costs to resume operations

FREQUENTLY ASKED QUESTIONS

+-

What is business interruption cyber insurance?

Business interruption cyber insurance covers financial losses when your business operations are disrupted by cyber incidents. It compensates for lost revenue, fixed expenses, and recovery costs during downtime.

+-

How is business interruption loss calculated?

Loss is calculated based on your average daily revenue, fixed operating expenses, and the duration of downtime. We assess your business financials to determine appropriate coverage limits.

+-

What incidents trigger business interruption claims?

Covered incidents include ransomware attacks, data breaches, DDoS attacks, system failures, malware infections, and other cyber events that force operational shutdown or significant disruption.

+-

Is there a waiting period before coverage begins?

Most policies include a waiting period (typically 24-72 hours) before business interruption coverage activates. This reduces claims frequency and keeps premiums affordable.

+-

Does coverage include dependent business interruption?

Yes, dependent business interruption coverage protects you when suppliers, vendors, or service providers experience cyber incidents that disrupt your operations. This is available as an add-on.

+-

How long is coverage provided?

Coverage period varies by policy, typically ranging from 30 to 365 days of continuous business interruption. We tailor the period to your business recovery capabilities.

+-

Can I adjust coverage limits?

Yes, coverage limits are fully customizable based on your business needs, revenue, and risk profile. We work with you to ensure appropriate protection.

+-

How quickly are claims paid?

We prioritize rapid claims processing. Most business interruption claims are assessed and paid within 5-10 business days of documentation submission.

Related Blogs

Cyber Security Risk Assessment for Insurance Purposes

In today's digital landscape, cyber threats pose an unprecedented risk to businesses of all sizes. From data breaches to ransomware attacks, the financial and reputational damage can be catastrophic.…

Best Cyber Insurance Providers in the UK 2025

By Insure 24

Best Cyber Insurance Providers in the UK 2025

Cyber threats are evolving faster than ever, and UK businesses face increasingly sophisticated attacks that can result in devastating financial and reputational damage. Whether you're a small startup, a grow…

How Much Does Cyber Insurance Cost for UK SMEs?

Cyber attacks are no longer a distant threat—they're a daily reality for UK businesses. In 2024, small and medium-sized enterprises (SMEs) faced an unprecedented surge in cyber incidents, fro…

What Does Cyber Insurance Cover? A Complete UK Guide

Cyber attacks are no longer a question of if, but when. In today's digital landscape, businesses of all sizes face unprecedented threats from hackers, ransomware, data breaches, and malicious so…