31/03/2026
In business claims, visible damage often represents only part of the issue.
After a major fire, escape of water or flood, the immediate focus is usually on the physical damage and the initial shock that comes with it.
But for many businesses, the real challenges begin after that initial stage.
Business operations can be disrupted, sales may fall, and staff, stock, customers, and daily routines can all be impacted.
This is when Business Interruption cover can play a big role in your claim, depending on what your policy says.
At this point, your claim might include things like:
-Loss of gross profit or revenue
-Ongoing fixed costs during the interruption
-Increased cost of working, such as leasing temporary premises or taking other steps to keep the business going
Often, physical damage is just one issue. The disruption to your business can be just as serious, or even worse.
That’s why you should never treat Business Interruption as an afterthought. It’s important to understand your cover before you need to use it.worse.