Business Interruption & Loss of Income Insurance for Workshops

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

SPEAK TO A WORKSHOP INSURANCE SPECIALIST GET BUSINESS INTERRUPTION QUOTES

We compare quotes from leading insurers

  • Allianz insurance logo
  • Aviva insurance logo
  • QBE insurance logo
  • RSA insurance logo
  • Zurich insurance logo
  • NIG insurance logo

BUSINESS INTERRUPTION COVER FOR WORKSHOPS

  • Insurance cover icon

    LOSS OF INCOME

  • Liability protection icon

    FIXED COSTS

  • Business interruption icon

    INCREASED COSTS

  • Cyber and equipment cover icon

    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
SPEAK TO A WORKSHOP INSURANCE SPECIALIST GET BUSINESS INTERRUPTION QUOTES

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.

Core Cover

Operational Risks

Planning And Advice

Workshop insurance review points

Workshop policies need to match the practical work carried out on site, the machinery used, the value of tools and customer goods, and the interruption risk if a key machine or premises area is damaged.

For business interruption enquiries, the strongest quote presentation usually combines the immediate cover request with wider risk information, contract obligations and evidence of controls.

Operational exposure

  • Hot works, cutting, fabrication, repair, servicing, woodworking or metalwork activity
  • Customer vehicles or goods in trust, specialist machinery and portable tools
  • Extraction, dust, flammables, waste, electrical load and maintenance routines

Cover areas to compare

  • Public liability, employers' liability, product liability and defective workmanship considerations
  • Buildings, contents, tools, machinery breakdown and business interruption
  • Theft, fire, flood, customer injury, temporary closure and cyber where systems are important

Evidence that helps

  • Machinery schedule, tool values, turnover split and staff or subcontractor details
  • Fire-risk assessment, maintenance logs, extraction checks and security protections
  • Contract terms, customer-goods controls and prior claims or near-miss history