Business Interruption & Supply Chain Disruption Insurance

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Protecting freight forwarders and logistics businesses against loss of income and extra costs when operations are disrupted – whether by property damage, key supplier failure or wider supply chain events.

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We work with leading UK insurers for freight, logistics & supply chain risks

MANAGING BUSINESS INTERRUPTION & SUPPLY CHAIN RISK IN FREIGHT & LOGISTICS

  • LOSS OF INCOME

  • KEY SUPPLIER FAILURE

  • ROUTE & PORT DISRUPTION

  • SYSTEMS & IT OUTAGES

Why Business Interruption Cover Matters for Forwarders

Freight forwarders and logistics operators rely on a network of ports, carriers, warehouses, depots and systems working together. A fire at your main office, damage at a key depot, closure of a regular port, or outage in your forwarding system can quickly stop revenue and create additional costs.

Business interruption and supply chain disruption insurance can help replace lost gross profit or revenue, fund increased costs of working to keep customers moving, and protect the financial stability of your business during and after a major disruption.

Key Business Interruption & Supply Chain Covers

Core protection options for freight forwarders, logistics providers and supply chain businesses.

  • Business Interruption (BI) – loss of gross profit or revenue following insured damage at your premises.
  • Increased Cost of Working – additional costs to keep operating (e.g. alternative offices, overtime, extra transport).
  • Additional Increased Cost of Working – higher levels of cover where you prioritise customer service continuity.
  • Contingent Business Interruption – cover linked to damage at key suppliers, customers or third-party premises.
  • Denial of Access / Loss of Attraction – when your premises or access routes are blocked by insured events.
  • IT & Systems Dependency – extensions where system outages linked to insured perils affect your ability to trade.
  • Supply Chain Extensions – for named or unnamed suppliers, ports, terminals or logistics centres.
  • Civil Authority & Public Authority Restrictions – where official closure orders affect operations.
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Common Disruption Scenarios for Forwarders & Logistics Providers

  • A fire, flood or major damage at your main office, depot or warehouse, forcing operations to move or pause.
  • Damage at a key third-party warehouse or cross-dock facility that you rely on for a major contract.
  • Closure or restriction at a key port, terminal or ferry route impacting your regular shipping lanes.
  • A major incident affecting your primary IT system or onsite server (when linked to an insured peril).
  • Neighbouring property damage leading to denial of access to your site by authorities.
  • Loss of a key customer following a major insured event, impacting turnover for months or years.
  • Prolonged disruption in a specific region or trade lane that represents a large share of your business.
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Why Forwarders & Logistics Businesses Use Insure24

  • Understanding of freight, haulage, warehousing and multi-modal supply chain operations.
  • Experience structuring business interruption around logistics risk – not just static property.
  • Ability to integrate BI and supply chain extensions into wider property, liability and freight policies.
  • Support modelling appropriate indemnity periods (e.g. 12, 18, 24 or 36 months) for realistic recovery times.
  • Access to insurers with specialist appetite for logistics and supply chain exposures.
  • Help documenting dependencies on specific ports, terminals, depots and key customers.
  • Claims support when disruption occurs and you need to evidence lost revenue and extra costs.
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Practical Steps to Set Up Business Interruption & Supply Chain Cover

  • 1. Map your operations – depots, offices, warehouses, ports, terminals and key routes.
  • 2. Identify key suppliers, customers and third-party locations you rely upon.
  • 3. Review your financials – turnover, gross profit and major contract contributions.
  • 4. Consider realistic recovery times if a major property or supplier loss occurred.
  • 5. Share existing property and liability policies so we can check how BI is currently structured.
  • 6. We obtain quotes that reflect your dependencies, routes and business model.
  • 7. You receive clear documentation explaining what events are covered and how claims are calculated.
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Which Freight & Logistics Businesses Need This Type of Cover?

Typical organisations that can benefit from structured business interruption and supply chain protection.

Freight & Logistics Providers

  • Freight Forwarders (small, independent and larger operators)
  • 3PL & Contract Logistics Providers
  • Groupage & Consolidation Operators
  • Warehousing & Distribution Businesses
  • Port-Centric & Inland Terminal Operators
  • Haulage & Pallet Network Members

Supply Chain-Dependent Businesses

  • Importers & Exporters with Key Route Dependencies
  • Retail & FMCG Distributors
  • Manufacturers with Just-in-Time Logistics
  • E-commerce & Fulfilment Operators
  • Cold Chain & Temperature-Controlled Logistics
  • High-Value & Time-Sensitive Cargo Specialists
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When a fire shut one of our key depots, we had to reroute cargo, hire extra vehicles and work around the clock. The business interruption cover Insure24 arranged meant we could focus on keeping customers moving while the claim helped protect our cash flow.

Logistics Operations Director

FREQUENTLY ASKED QUESTIONS

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Is business interruption cover only for property owners?

No. Business interruption can be relevant whether you own or lease premises. What matters is the impact on your ability to trade if a covered event stops operations at your own or a key supplier’s location.

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Does business interruption cover pandemics or non-damage events?

Standard BI is usually triggered by physical damage at insured premises (e.g. fire, flood). Non-damage extensions are more limited and subject to strict terms. We can explain what is and isn’t covered under current market wordings.

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How do I choose the right indemnity period for my logistics business?

Think about how long it would realistically take to repair damage, replace key facilities, re-route operations and win back lost business. For many logistics businesses, 18–24 months is more realistic than 12 months for major events.

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Can I insure against disruption at a specific port or supplier?

In many cases, yes – either by naming particular suppliers/locations or using broader contingent BI wording. This needs careful discussion with insurers so dependencies are clearly understood.

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Can I pay for business interruption cover monthly?

Yes. Monthly premium finance is usually available (subject to status), which can help spread the cost across the year and match payments to your cash flow cycles.

Related Freight Forwarding Guides

Business interruption cover works alongside property, cyber, fleet and warehouse-risk planning for freight businesses.

Operational Resilience

Warehouse & Site Risks

Core Cover Planning

Explore Freight Forwarders Insurance

Use these core pages to compare cover, understand claim exposure and request a faster commercial quote.

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