Business stopped after a fire or flood?
What Does Business Interruption Insurance Cover? (UK)
BI cover triggers from a covered property loss — not from market downturns. See the wording that matters for UK SMEs.
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The short answer
Business interruption pays lost gross profit and increased cost of working following a covered material damage event (fire, escape of water, storm). It does not cover loss of revenue from market conditions, pandemics (unless specifically named), or supplier failure (unless extended).
Frequently asked
- What is the indemnity period?
- The maximum time BI will pay for — typically 12, 24 or 36 months. Set it long enough to fully rebuild and re-establish trade.
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Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.