Business Interruption

Helping to keep your business running smoothly after an unexpected event, by covering the turnover that is lost - so you can recover and rebuild.

Contact us

Who should consider Business Interruption protection?

If your business suffered an unexpected disruption such as fire, flood or storm - how long would it take to get up and unning again?

For most business owners, there are ongoing expenses that you need to pay even if you're not generating revenue

Business interruption insurance can get you through a temporary crisis by protecting your cashflow - so you can pay these expenses and help ensure the future of your business.

What can it cover?

Business interruption insurance can cover the loss of any sales you would have made while your business is out of action - plus extra costs you incur to stay open. Depending on the policy, business interruption insurance can cover

Revenue/income

Income that would have been earned during the period the business cannot operate.

Fixed costs

Operating expenses and other costs still being incurred by the property (based on historical costs).

Temporary relocation

The extra expenses for moving to, and operating from, a temporary location.

Civil authority ingress/egress

Government-mandated closure of business premises that directly causes loss of revenue such as street closures.

Extra expenses

Reimbursement for reasonable expenses (beyond the fixed costs) that allow the business to continue operating while the property is being repaired.

Case Study

Scenario: You are the owner of a small office supplies business. One night, the restaurant next door catches fire and spreads to your business premises — destroying property, stock and IT systems. You are unable to open the shop for weeks while the building is being repaired. Because you are not operating, you are not making any money — and the bills are piling up.

Outcome: With business interruption insurance, you bank an insurance payment — maintaining cash flow at pre-interruption level. You can continue paying staff their wages and rent a temporary location so the store can keep running.

*Disclaimer: The information contained in this case study is used only for the purpose of illustration. Individual circumstances, insurance and coverage may vary.

Let's Connect

Discover the difference our expertise can make.

Speak directly with a member of our team.

Call +61 2 8267 9999

Or

Leave us a message