Business interruption insurance
OUR ASSESSMENT
Model a realistic recovery timeline, including rebuilding and regaining customers. Check when benefits end under the wording rather than assuming an advertised maximum period guarantees payment for that entire period.
Features to compare
- Hiscox describes cover for lost income and increased working costs after events specified in its policy.
- Its published information says business interruption is sold with business contents cover, rather than on its own.
Limitations and checks
- The cause must qualify under the wording; a fall in trading income alone is not sufficient.
- The overview excludes cyber incidents and diseases not specified in the contract, including Covid. Underinsurance can reduce a claim.
The question to ask
What starts and ends a claim, how is insured income calculated, and do supplier or utility interruptions qualify?
Before arranging cover
Use the current policy wording and your quotation schedule to confirm these points. Our assessment is desk research, not a first-hand claims test or a personal recommendation. We have not assigned a product score or established comparable claims-service performance.
Sources & further reading
Checked 26 September 2026. Policy terms and source ratings can change.
Provider information checked 2026-09-27. The linked provider information supports the product summary; the assessment and questions are Coverwell editorial analysis. Availability and accepted terms depend on the quotation.