Business Interruption & Loss of Income Insurance for Workshops

Protect your profits, cashflow and fixed costs if your workshop is forced to close

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  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

BUSINESS INTERRUPTION COVER FOR WORKSHOPS

  • LOSS OF INCOME

  • FIXED COSTS

  • INCREASED COSTS

  • RECOVERY PERIOD

Why Business Interruption Insurance Matters

If your workshop suffers fire, flood, theft or major insured damage, your biggest loss is often not the building or machinery - it’s the income you can’t earn while trading is disrupted. Business Interruption Insurance replaces lost profits and helps you meet ongoing costs while you recover.

What Business Interruption Insurance Covers


  • Loss of gross profit or revenue
  • Staff wages and salaries
  • Rent, rates and utility costs
  • Finance and lease payments
  • Increased costs of working to maintain operations

What Triggers a Business Interruption Claim?


  • Fire or smoke damage
  • Flood or escape of water
  • Storm or impact damage
  • Theft or malicious damage
  • Insured machinery or equipment damage

FREQUENTLY ASKED QUESTIONS

+-What does business interruption insurance cover?

It covers loss of income, fixed expenses and increased costs following insured damage that disrupts your workshop operations.

+-How long does cover last?

Cover applies for the selected indemnity period, commonly 12, 18 or 24 months.

+-Does it cover staff wages?

Yes. Policies can include staff wages and salaries as part of ongoing fixed costs.

+-Is business interruption insurance compulsory?

It is not legally required, but it is strongly recommended and often required by lenders and landlords.

+-Can I get cover as part of a package?

Yes. Business interruption is commonly included within combined workshop insurance policies.

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