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BUSINESS INTERRUPTION COVER FOR WORKSHOPS
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LOSS OF INCOME
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FIXED COSTS
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INCREASED COSTS
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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.
Related Workshop Interruption Guides
Interruption cover works best when it is tied back to the premises, machinery and liability risks that can stop a workshop trading. These guides connect interruption planning with the core workshop insurance pages.