Business Interruption Insurance Calculator
Our business interruption insurance calculator estimates BI cover to replace lost gross profit if you cannot trade due to an insured event. BI typically covers up to 12-24 months of lost income and ongoing fixed costs.
Business Interruption Insurance Estimator
Estimate the cost of Business Interruption (BI) insurance, which covers lost income if your business can't trade due to an insured event like fire, flood or theft.
Enter your annual turnover and typical monthly fixed costs — the outgoings that continue even when the business cannot trade: rent, utilities, salaries, loan repayments. Business interruption insurance pays the revenue you lose and the fixed costs you continue to incur if your premises are unusable due to an insured event such as fire, flood, or burst pipes. The indemnity period — how long the policy pays — should reflect how long it would realistically take to fully restore trading, including rebuilding, re-equipping, and recovering customer base. Twelve months is a common minimum; 24 to 36 months is more appropriate for businesses that would take longer to fully recover. Ensure the trigger events match the risks most relevant to your business — pandemic-related closure, for example, is excluded from most policies following the COVID-19 litigation settlements.