Business Owners Policy
Property and general liability bundled into one policy for small and mid-sized firms.
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Business Interruption
Lost income and continuing costs while you cannot trade after a covered loss.
What this cover does
Property cover rebuilds the building. Business interruption covers the months of lost trading while that happens — the income you would have earned, the payroll you still pay and the rent that keeps falling due. Getting the indemnity period right matters more than the limit.
Typically included
- Net income you would have earned during the interruption
- Continuing operating expenses including payroll and rent
- Extra expense to resume trading sooner, such as temporary premises
- Civil-authority cover when access is barred after a nearby loss
- Extended period of indemnity while customers return
Common add-ons
- Longer indemnity periods for operations slow to rebuild
- Dependent property cover for a supplier or key customer loss
- Utility-services interruption
- Contingent business interruption across the supply chain
Questions
What people ask about business interruption
How long should the indemnity period be?
Long enough to rebuild, refit, restock and get trading back to where it was. Twelve months is the common default and is often too short for specialised premises or long-lead equipment.
Does it cover a pandemic shutdown?
Generally no. Most forms require direct physical damage to trigger cover, and communicable-disease exclusions are now near-universal.
Often taken together
Related cover
General Liability
Third-party injury, property damage and advertising injury claims against your business.
Read more →Quote Business Interruption
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.