Business Interruption
Insurance
 |  |
 |  |
 |  |
 |  |
What is Business Interruption Insurance?
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?
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?
EXPERT ADVICE
QUICK QUOTES
RANGE OF OPTIONS
Types of Business Interruptions That Can Be Insured
Business types and trading models that may be considered include:
Retail stores and outlets
Hospitality venues
Professional services
Construction and trades
Manufacturing and warehousing
Medical and allied health clinics
Tenanted commercial premises
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?
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
What does Business Interruption Insurance not cover?
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
Online Insurance Quote
Please select from the options as required. You can select one or more options.
Complete the form below to receive a quote.
Completing the form usually takes 5 minutes.
Having trouble with the form? Contact Insuregroup click here
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?
What affects the cost of business interruption insurance?
Does business interruption insurance cover pandemic related issues like COVID-19 or lockdowns?
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?
How long does the process take?
Can you produce certificates of insurance immediately?
Does Insuregroup shop around extensively?
What if I need to know more about insurance covers?
Insurance Guides & Resources
View our latest guides on insurance, regulatory considerations and managing risk.
Switching Insurance Brokers: What to Expect with your Policies and Cover
Switching insurance brokers is usually more straightforward than many businesses expect. This guide explains what happens to your existing policies, claims history and broker authority when you move to a new broker.
How a Broker Can Support You Through a Claim
A broker can help keep the claims process structured by assisting with information, insurer communication and how the policy applies. This article explains where broker support can make a practical difference once a claim is underway.
Fleet Insurance vs Individual Vehicle Policies: Which Saves More?
Fleet insurance is not always cheaper by default, but it can make managing multiple vehicles much simpler as a business grows. This guide compares fleet and individual policies across cost, administration and claims handling.
The Complete Insurance Package for Transport & Logistics Businesses
Transport and logistics insurance is rarely covered by one policy alone. This article looks at how vehicle, cargo, liability, people and operational risks can be structured into a more complete insurance package.
Insurance Terms Glossary
Insurance documents can be full of terms that are easy to misunderstand. This glossary explains common insurance wording in plain language, with a focus on businesses operating trucks, plant and equipment.
What to Do Immediately After a Truck Accident to Protect Your Claim
The steps taken immediately after a truck accident can influence how smoothly an insurance claim progresses. This guide outlines what to record, who to contact and how to protect key evidence after an incident.