Damage-linked interruption
Often connected to insured damage at the premises; check the precise trigger.
BUSINESS & PROFESSIONAL
Business interruption. Explained.
Understand the event that triggers cover and the time the business may need to recover its income.
Start with what you need covered.
Business interruption cover addresses specified financial consequences of an insured disruption. It is not a general guarantee against any fall in revenue. Compare the trigger, the calculation of insured income and the maximum period of payment with the business’s actual recovery plan.
UNDERSTAND THE OPTIONS
Different arrangements. Different details.
Additional costs
Discuss eligible extra spending to keep the business operating.
Extensions
Ask separately about suppliers, customers, utilities and denial of access.
BEFORE YOU CHOOSE
Four conversations worth having.
Trigger
What event must occur before the interruption section responds?
Financial definition
How does the policy define the gross profit, revenue or other amount insured?
Indemnity period
How long could income support continue while operations and customers recover?
Dependencies
Are key supplier, utility or access problems included and at what limits?
Compare an actual offer
These are research prompts, not a quote or a recommendation. Ask an insurer or authorised broker to explain the accepted policy, its exclusions and your own circumstances. Product features vary.
Sources & further reading
Checked 26 September 2026. Policy terms and source ratings can change.
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