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Business interruption insurance

 

What is business interruption insurance?

Sometimes the unexpected happens and it can have a major impact on your business. Business and contents insurance normally takes care of physical damage and losses but business interruption insurance helps with financial losses after physical damage or loss. This can include losses such as wage payments and missed income.

When would it help?

Business interruption insurance can help when a business can’t run as normal because of damage to the business premises.

Our range of products are only available through insurance brokers. 

What else might you want insurance for?

Buildings & Contents
There are many scenarios that can lead to buildings and contents belonging to a business getting damaged, lost or stolen. Insurance can help get things back to normal by paying for replacements and repair works.
Liability
As well as having the building and contents insured, you might want public liability insurance. This insurance can provide protection against personal injury or property damage claims from members of the public. There are other types of liability cover a business might also require, including employer’s liability, professional indemnity, and directors and officers insurance. Your insurance broker will be able to help you find out which covers are best for your business.
Cargo
During transportation in the UK and overseas, stock and equipment might become damaged or lost so it can be reassuring to have insurance in place. Cargo insurance can be bought on an annual basis or just for a single trip.

Why choose Allianz?

Claims
 
UK based claims services.

Risk management

Free expert help handling the risks your business faces.
Expertise

Over 130 years’ experience as part of one of the largest insurers in the world.

Business legal expenses and expertise

Our insurance packages for small businesses have legal expenses cover included automatically, and this cover can be added to policies for larger businesses too. Legal expenses cover from Allianz provides access to a range of services including:
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CLICK Legal

  • Free legal health check
  • Over 140 document templates
  • Safe storage of legal contracts
  • Easy-to-use guide on legal processes and requirements
Find a broker
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TALK Legal

  • 24/7/365 legal advice line
  • Free tax advice
  • Discounted legal action, support and communication services from specialist commercial solicitors DWF LLP.
Find a broker

Contact your insurance broker

Speak to your insurance broker to help you arrange your business interruption insurance.

Frequently asked questions

It depends on the policy and the type of cover. Some policies provide cover for extra expenses, such as rental charges and relocation costs. What is and isn't covered by business interruption insurance is in the policy wording and schedule - your broker can help establish if you'd be able to claim in this scenario. 
Loss of rent is a fairly common option in business interruption insurance and that will usually cover rental income if the let building becomes unusable. We recommend speaking to your insurance broker to confirm this is included in your cover. 
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