In the highly competitive world of small business, the slightest little hitch can send you into a tailspin. Most small business owners would like to think they are prepared for life’s hurdles, by insuring their premises, their employees and their equipment.

But what if you had to shut your doors due to an unforseen business interruption? Would your business survive? What if you were in retail and you were forced to close your doors just before Christmas?

Business interruption insurance covers the shortfall in gross profits caused by the interruption to a business from insured events, helps pay ongoing costs and protects profit margins until the business is back on its feet and back at its profit level before the interruption.

 

Things to consider

Business interruption insurance can:

  • Keep you afloat while you wait for plans to be drawn up or council permits to be approved when rebuilding
  • Cover the costs of finding and fitting new premises, advertising to let your customers know you have moved and when you’re fully open for business again.
  • Ensure you are able to continue to pay and retain key staff while the business gets back on its feet.
  • Cover interruption costs to your business, even if the damage is to another business you don’t own, such as suppliers not supplying, key customers unable to purchase your goods or when power or gas outages limit your ability to do business

Insuring against business Interruption

Would your business survive a major interruption?

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Business Interruption Calculation Sheet

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6 Reasons Why You Need Business Interruption

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Business Interruption: Why You Need It

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Business Interruption FAQs

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