Business Interruption
Insurance
Unforeseen events such as fire, flood, equipment failure or forced closures all have the potential to affect business operations. When revenue is disrupted but every day costs continue, the financial impact can be significant. At Insuregroup, we assist business owners, operators and commercial property tenants Australia-wide to review business interruption insurance options based on their industry, risk profile and continuity planning needs.
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What is Business Interruption Insurance?
Business interruption insurance is a type of commercial cover designed to help businesses manage financial losses that occur when operations are temporarily halted due to an insured event. It’s typically considered alongside property or asset insurance and may support ongoing expenses while your business is recovering.
Depending on the insurer and policy chosen, business interruption insurance may help cover fixed costs, loss of revenue or temporary relocation expenses. At Insuregroup, we help clients explore policies and features that align with their operations, trading environment and supply chain exposure.
Do you need Business Interruption Insurance?
If your business relies on physical premises, key equipment or uninterrupted access to suppliers and customers, business interruption insurance may help manage these risks. Events such as fires, storm damage or power loss can halt trading even if the damage is not directly affecting your property.
Unlike general property insurance, this form of cover may assist with financial concerns during periods when you are unable to operate normally. Reviewing your cover with a qualified broker may help you assess policies in line with your business model, lease terms and revenue dependencies.
Why Insuregroup?
Flexible payment options may be available to help manage cash flow while maintaining uninterrupted cover.
EXPERT ADVICE
Our expert brokers assist with reviewing business interruption policies in the context of your premises, revenue model and continuity risks.
QUICK QUOTES
We provide easy access to business interruption insurance quotes online or over the phone so you can review policy option without delay.
RANGE OF OPTIONS
We partner with a wide panel of insurers to support different industries and help compare relevant policies based on your needs.
Types of Business Interruptions That Can Be Insured
At Insuregroup, we support businesses across Australia to assess business interruption insurance options across a wide range of industries and operational setups.
Business types and trading models that may be considered include:
Retail stores and outlets
Reliant on foot traffic, stock movement and supply chain continuity.
Hospitality venues
Cafes, restaurants and licensed premises impacted by closures or loss of trade.
Professional services
Offices or consultancies with ongoing wage and lease commitments.
Construction and trades
Businesses reliant on access to tools, vehicles or project sites.
Manufacturing and warehousing
Operations with fixed plant, logistics and distribution network.
Medical and allied health clinics
With ongoing appointments, equipment use or patient care commitments.
Tenanted commercial premises
Landlords and tenants affected by property damage or access restrictions.
Whether you operate from a single premises or manage multiple business sites, we work with you to find business interruption insurance options suited to your trading risks, continuity plans and financial structure.
As a member of the Steadfast Insurance Group, we work with a broad network of Australian insurers to support a wide range of business types and industry sectors.
What does Business Interruption Insurance cover?
Business interruption insurance is generally intended to help protect against income loss and operating costs while your business is recovering from an insured event. The exact inclusions depend on the insurer and policy selected.
Cover may include:
Loss of gross profit or revenue during the interruption period
Fixed operating expenses such as rent, utilities and wages
Relocation costs if your premises become unusable
Additional costs incurred to minimise the impact of interruption
Losses from supplier or customer disruptions (if extensions apply)
Claims preparation costs
Extended indemnity periods depending on recovery timelines
At Insuregroup, we guide you in identifying features that may be relevant to your business size, sector and resilience planning and help you obtain an insurance quote appropriate to your needs.
What does Business Interruption Insurance not cover?
Business interruption insurance policies have specific terms and exclusions. Understanding these can help reduce uncertainty when making a claim.
Common exclusions include:
Interruptions not linked to a covered property damage event
Pandemics or infectious disease shutdowns (unless specifically included)
Undeclared income streams or uninsured assets
Losses due to gradual deterioration or poor maintenance
Interruptions beyond the policy’s maximum indemnity period
Utility or service disruptions where no property damage occurred
You should always refer to the Product Disclosure Statement (PDS) and policy schedule for a full list of inclusions and exclusions. Our team can assist with this review to help ensure clarity around what is and isn’t covered.
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Our
Process
The Insuregroup insurance process – insurance solutions on demand.
01
Submit a Quote Request
Online or Call Us Directly
02
We Source
Competitive Quotes
03
Receive a Clear,
Detailed Quote Summary
04
Finalise
& Get Covered
Frequently Asked Questions
How does business interruption insurance differ from property insurance?
Property insurance may cover physical damage to buildings and equipment, while business interruption insurance focuses on the financial impact of being unable to trade during repairs or recovery.
What affects the cost of business interruption insurance?
Premiums are influenced by your industry, turnover, location, risk exposures, indemnity period selected and the type of property or asset insurance in place. A broker can help you obtain a personalised quote.
Does business interruption insurance cover pandemic related issues like COVID-19 or lockdowns?
In most cases, standard business interruption insurance policies exclude cover for losses arising from pandemics, government-mandated lockdowns or infectious disease outbreaks unless specific extensions are included. Some insurers may offer limited cover where certain conditions are met, but this varies between providers and policy types.
It’s essential to check the Product Disclosure Statement (PDS) and advisable to speak with a broker to understand if any pandemic-related exclusions or inclusions apply to your chosen policy.
How can I get a quote for business interruption insurance?
You can request business interruption insurance quotes online or over the phone with us, obligation-free. Simply provide some basic details about your business, location and trading setup and we’ll compare options from our network of Australian insurers. Our team is available to assist you through the process and answer any questions.
How long does the process take?
We believe in providing our customers with excellent customer service and to guarantee you the most targeted service we strive to respond to your needs with upmost urgency. Our team can generally turn around a quote and bind a policy within 24 hours.
Can you produce certificates of insurance immediately?
Yes, we can provide electronic certificates of insurance for you in a prompt and timely manner. We do require payment prior to issuing the certificates, however.
Does Insuregroup shop around extensively?
Insuregroup has access to over 100 insurance markets available to us both nationally and internationally. We regularly scour the markets on our system to ensure that we are quoting the most cost effective and cover competitive crane insurance that the market has to offer. We understand that your needs are unique and we will deliver an insurance product that is tailored to suit you.
What if I need to know more about insurance covers?
Choosing an insurance policy is a significant investment – it is important that we deal with customers in an open and transparent way. If you feel you would like to learn more, we welcome you to give us a call on 1300 760 552 so our friendly team can answer any queries you may have.