New business interruption insurance will not cover claims resulting from events that are already taking place. This means Covid-19-related claims are unlikely to be covered. If you have an existing policy, use our Covid-19 policy checker. Our coronavirus support hub has guides and templates to help you through the pandemic.
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If a crisis were to hit your business, would you be ready to survive and overcome it? Many well-run small businesses simply don’t have the resources needed to continue trading, and at some point have to sell up, or close. Business interruption insurance - also known as business income insurance - is there to help you through the rocky patches, getting you back on your feet and trading as usual.
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Business interruption insurance covers the consequential loss of income a business may experience following an insured and unexpected event - such as a fire. Both the indirect loss of business and your revenue can be protected by the cover.
Simply Business chief operating officer, Chris Slater, explains the ins and outs of business interruption insurance, and why cover can be crucial for small businesses.
If some kind of material damage has disrupted your business, causing you a loss or difficulty in paying your employees, trading can become impossible, at least temporarily. Business interruption insurance provides you with the financial cover you need, to get back on track.
For example, if a flood destroyed the contents of your business premises, you’d probably have to stop operating. Business interruption insurance would cover your lost revenue from this, as long as your contents are also insured.
If you already have a policy with us and want to add this cover, give our team a call on 0333 014 6683. We’ll check you’re eligible, and help get you up to date.
Business interruption insurance can make the crucial difference between survival and closure for many small businesses. Disaster can strike at any time, and this cover can:
The UK is increasingly at risk from flash floods in localised areas, putting many pubs, shops, restaurants and services out of business in the last few years. Business protection insurance is designed to strengthen you against this.
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– R Matthews, Handyman
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