What we coverBusiness Interruption:
Business Interruption:
Keeping the lights on when you can’t.
The Lowdown
You have $0 coming in. This covers bridges that gap, paying your fixed costs and lost profits until you’re back on your feet.
What it protects against
Lost income and relocation costs following an insured event
(like a fire or storm).
FAQs
How do you calculate how much you pay me if I can't trade?
We look at your historical turnover and records to see what you would have made if the disaster hadn’t happened. It’s designed to keep your bank balance where it should be.
Does this cover me if a pandemic shuts me down?
This is a tricky one—most policies specifically exclude infectious diseases. This cover is mainly for “physical” interruptions like fire, floods, or storms.