Terrorism BI

Non-Damage Business Interruption Terrorism Insurance

Non-damage business interruption terrorism insurance focuses on the interruption question: what happens if terrorism or a threatened act affects access, footfall or trading even where the insured premises has not suffered direct physical damage.

Review terrorism BI cover

Who It Is For

  • Retail, hospitality, leisure and entertainment venues
  • Property owners and portfolio landlords with rental income exposure
  • Businesses concerned about cordons, closures, denial of access or loss of attraction

Cover To Review

  • Denial of access and prevention of access wording
  • Loss of attraction and customer footfall interruption
  • Gross profit, gross revenue, rental income, ICOW and AICOW limits

Underwriting Detail

  • Premises locations, occupancy, tenant mix and nearby exposures
  • Business interruption values and indemnity periods
  • Whether cover is required for all locations, selected sites or first-loss structures

Related Insurance Pages

Non-Damage Business Interruption Terrorism Insurance FAQs

What is non-damage business interruption?It is interruption cover considered where trading is affected without direct physical damage to the insured premises, subject to the wording purchased.

Can terrorism insurance include denial of access?It can, but denial of access, loss of attraction and similar extensions should be checked carefully rather than assumed.

Why do sums insured matter?The wording may respond to gross profit, gross revenue, rent, increased cost of working or selected location values, so the basis needs to match the exposure.