Business Interruption

Business Interruption

What is Business interruption Insurance?

Your family, employees, customers and suppliers, all depend on your business opening its doors each day.

In the event of a fire, or other insured peril, interruption to your business will occur. Financial obligations will need to be met, staff and utilities still need to be paid and customer good-will needs to be maintained. All the while, you may need to find alternate temporary premises to keep the business up and running and continue to meet your customer demands. There’s a lot to consider, but Business Interruption will provide you with the financial protection to get back on your feet as quickly as possible.

What It Covers

What’s included in your Business Interruption Insurance

It is imperative to not only have Business Interruption, but to have an adequate level of coverage. Not all policies are the same and there are many things that need to be taken into consideration when preparing a suitable policy.

Things to consider include:

Indemnity Period

How long do you need the cover for? How long will it take your business to get back to pre-loss trading figures? Many things need to be factored into this decision, including the average length of time the Council in your area takes to approve a DA, all the way through to the availability of products and supplies.

Claims Preparation Fees

How much is going to be sufficient for your business to help you with a claims process?


Do you insure it, how much of it, and for what period of time?

Uninsured Working Expenses

Are you paying for unnecessary cover that relates to expenses that would not exist in the event of a claim?

Seasonal Fluctuations

What happens in the event of a claim if your business is subject to seasonal fluctuations or economic cycles?


Are you covered when your business is in growth mode?


What happens if one of your customers or suppliers suffers damage from a significant peril and your business suffers as a result? Would you be covered?

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Make an Enquiry

Call us today or make an appointment to see how we can help you with your general insurance needs.