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We compare business interruption cover from leading UK retail insurers
BUSINESS INTERRUPTION INSURANCE THAT KEEPS YOUR SHOP TRADING
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LOSS OF GROSS PROFIT
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FIXED COSTS COVERED
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ALTERNATIVE PREMISES
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EXTENDED INDEMNITY
Why Business Interruption Cover Matters for Retailers
Even a short closure can have a major impact on cash flow. Business interruption insurance replaces lost income and helps cover ongoing expenses while your shop recovers from an insured event.
What Does Business Interruption Insurance Cover?
- Loss of gross profit following insured damage
- Ongoing fixed costs such as rent, rates and utilities
- Staff wages during temporary closure
- Costs of trading from alternative premises
- Additional expenses to minimise disruption
- Flexible indemnity periods (12–36 months)
Events That Can Trigger a Business Interruption Claim
- Fire or smoke damage
- Flood or escape of water
- Theft, vandalism or malicious damage
- Storm or impact damage
- Utility failure following insured damage
- Access restrictions imposed by authorities
Why Arrange Business Interruption Cover with Insure24?
- Retail specialists who understand cash-flow risk
- Correct calculation of gross profit and indemnity periods
- Cover aligned to your shop insurance policy
- Support at claim stage when it matters most
FREQUENTLY ASKED QUESTIONS
+- What is business interruption insurance?
Business interruption insurance replaces lost income and helps cover ongoing expenses if your shop cannot trade following insured damage.
+- How long does business interruption cover last?
Cover lasts for the chosen indemnity period, commonly 12, 24 or 36 months, depending on how long recovery may take.
+- Does it cover rent and staff wages?
Yes. Business interruption cover can include rent, rates, wages and other fixed operating costs.
+- Is business interruption included in shop insurance?
It is usually included as part of a shop or retail insurance policy, but limits and indemnity periods must be set correctly.
+- How much business interruption cover do I need?
The correct level depends on your turnover, gross profit and how long it would realistically take to resume normal trading.