Business Interruption Insurance
Cover for when business as usual just isn’t doable
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What is Business Interruption insurance?
Business Interruption (an additional cover option in a Business Insurance Pack) provides cover for the loss of income and increased costs of operating your business caused by a specified insured event (such as property damage or fire). It’s designed to assist your business to recover from an insured event by paying ongoing expenses (such as wages or rent).
Most small business owners like to prepare for unexpected events by insuring their premises, contents or stock. But what if you had to shut your doors for a few days, weeks or even months due to things like a fire, storm or theft?
If your business would be significantly impacted by an insurable event, then you may want to consider Business Interruption cover.
What does Business Interruption insurance cover?
Lost Income
Loss of turnover due to damage to your own premises as a result of an insured event.
Ongoing Expenses
Wages, taxes, loan payments and other bills that don’t stop just because your business has.
Additional costs of working
Rent on a temporary premises and other additional costs you might incur while you get back to business as usual.
- Undocumented income
- Losses beyond the indemnity period
- Losses due to labour strikes and changes in legislation
Let’s cover your small business on the go
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Industries who purchase Business Interruption most:
- Cafes
- Restaurants
- Takeaway Shops
- Food Trucks
- Catering
- Bed and Breakfast Operations
- Hotel Operations
- Sporting Clubs & Associations
- Convenience Stores
- Supermarkets
- Butchers
- Markets & Stalls
- Clothing Retailers
- Gift Shops
- Bakers
- Florists
Business Interruption is suited to a wide range of industries and occupations in addition to the ones listed above.
How much does Business Interruption insurance cost?
Business Interruption insurance costs can vary based on the indemnity period, business size and other factors. Every business is unique, and so is the type and cost of its policy.
The costs are real, get that new policy feel
How is the cost of insurance calculated?
Business location
Cover level amount
Annual turnover
Number of employees
Claims history
Get cover that works with the risks of your business
You can select from different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Flexible Cover
Up to $3M total combined cover value for contents Contents, Building, and Business Interruption policies
Unsure how much to choose? Think about:
How long cover should last if you make a claim
Your operating costs
Your revenue
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How is the cost of insurance calculated?
Business location
Cover level amount
Annual turnover
Number of employees
Claims history
Get cover that works with the risks of your business
You can select from different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Flexible Cover
Up to $3M of cover for Contents, Building, and Business Interruption (combined)
Unsure how much to choose? Think about:
How long cover should last if you make a claim
Your operating costs
Your revenue
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
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5 Steps to get your biz insured:
- Enter Occupation
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- Choose Cover(s)
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- Business Details
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- Compare Quotes
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How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 Steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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See how much others have saved while purchasing policy through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Many types of businesses choose to add Business Interruption cover to their Business Insurance Package, including retail shops, cafes and restaurants, tradespeople, travel and tourism, manufacturers, real estate agents, and many more.
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