Business Interruption

Protect your income and ongoing costs while your business gets back on its feet.

Protecting the income that keeps your business moving.

An insured event involving fire, flood or major equipment failure can do more than damage your property. It can interrupt production, delay orders, prevent customers reaching you and stop revenue coming in altogether.

Meanwhile, wages, rent, loan repayments and other fixed costs can continue. Business interruption cover is designed to replace lost income and help meet these essential expenses while your business recovers, giving you the financial breathing room to keep moving forward.

Cover built around how your business would recover.

Every business has a different recovery timeline. A retailer may be able to move into temporary premises, while a manufacturer could be waiting months for specialist machinery, replacement facilities or essential approvals.

We work through how your business operates, how income is generated and how long a realistic recovery could take. This includes seasonal trading patterns, the correct calculation of gross profit, access to alternative premises and your reliance on key suppliers, customers, equipment or locations.

Lost income and ongoing costs

Cover designed to support lost revenue and essential commitments such as wages, rent and loan repayments.

A realistic recovery period

Indemnity periods considered against the actual time needed to rebuild, replace equipment and return to normal trading.

Supplier and customer dependencies

Protection that considers the knock-on effects of disruption involving the suppliers, customers or premises your business relies on.

Give your business enough time to recover properly.

Business interruption is often underestimated because the physical damage is easier to see than the financial impact that follows. Reopening your doors may only be one part of the recovery. It can take much longer to rebuild stock, restore customer demand, clear backlogs and return revenue to its previous level.

We explain the cover in plain terms, test the assumptions behind the figures and help identify where gaps may sit. The goal is to arrange protection that reflects the way your business actually trades, so a temporary interruption does not become a longer term threat to its future.

Ready to protect what matters most?

Talk to Ede Insurance Group about your insurance needs, request a call back, or book an insurance review today.