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Protect your business with Business Interruption insurance
When your scale-up hits its stride, the last thing you want is an unexpected disruption derailing your momentum. Business Interruption insurance makes sure that when life throws you a curveball, your company keeps moving forward.
What is Business Interruption insurance?
Business Interruption insurance is designed to cover loss of income and ongoing expenses if your business can’t operate as usual due to an unforeseen event. From fire or flood to a cyberattack, this insurance helps cushion the financial blow when your operations are disrupted, so you can keep your mind on recovery and growth
Why do I need Business Interruption insurance?
Growing fast often means operating on tight margins, with heavy reliance on continuous cash flow. A pause in business activity, even short term, can cause serious financial strain, affect your ability to meet investor expectations, or derail critical projects. Business Interruption insurance protects against this, helping to cover costs like salaries and rent so that you don’t have to scramble during a crisis
What does Business Interruption insurance cover?
You know what they say, “fail to prepare, prepare to fail”. Business Interruption insurance is your protection against failure. It covers:
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Loss of income
Helps replace lost profits if you can’t trade due to an unforeseen disaster, so your cash flow stays steady
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Fixed costs
Ongoing expenses like rent, salaries, and utility bills while operations are paused
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Additional expenses
Reasonable costs incurred to minimise the interruption and resume business quickly
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Supplier risks
Protects against disruption caused by supplier failure or customer insolvency impacting your ability to deliver
Picture This...
Your e-commerce site is hit by a cyberattack that takes down your website for several days. Orders stop coming in, but your team still needs to be paid, warehouse rent must be covered, and customer service is fielding more questions than usual. Fortunately, your Business Interruption insurance covers the lost revenue during downtime, ongoing fixed costs, and the additional expenses needed to bring your site back online.
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Contact us
Take your next step.
If you’re interested in how we can help or just want to introduce yourself, get in touch. We’re always happy to talk. Alternatively you can book a meeting with one of the team using the Capsule Calendar.