How business interruption works
Business interruption insurance replaces lost income and meets fixed costs when damage — fire, flood, or a breakdown — stops you trading. It sits alongside material damage cover and pays for the period it takes to get back to normal, up to a stated limit or indemnity period.
What to check
Watch the indemnity period: a short one can leave you exposed if recovery takes longer than expected. Check whether denied-access and supply-chain extensions are included, since the cause of the loss need not be on your own premises.