Business Interruption Insurance

Help protect your business from temporary shutdown losses

Unexpected events such as a fire or flood can disrupt your business operations, leaving you unable to trade as usual. During such times, financial obligations like wages, rent and taxes persist, complicating cash flow management, not to mention loss of income. Business Interruption Insurance can offer peace of mind, helping your business to regain operation with minimal financial strain.

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Why Choose Us

Our business is to protect your business

Owning a business entails numerous responsibilities, from adhering to regulations and managing finances to safeguarding the wellbeing of your team and clients. With these duties comes inherent risk, including potential accountability for unforeseen events. The financial and reputational consequences of uninsured risks can be severe. That’s why we’re passionate about helping clients discover insurance solutions that address their unique needs, all at a fair price.

Independent and impartial advice

At QMT Commercial, as an independent insurance broker, we are free from ties to any single provider. This independence empowers us to deliver impartial advice and access a diverse array of insurers, ensuring we can help secure the most suitable policies for your business requirements.

Don’t just take our word for it

When choosing a new insurance broker, you’ll want to hear about the experiences of other customers before you make your decision. Why not head over to our Trustpilot page to see for yourself why so many clients choose us for their business insurance, year after year.

Flexible payment options available

For those who prefer not to pay their insurance policy in full upfront, we can offer flexible payment options. You can choose to divide the total into two monthly instalments or use our third-party finance provider to spread the cost over the year with convenient monthly direct debits.

Finding you a great deal

Over the last 25 years, we have built excellent relationships with a wide variety of insurers and wholesale brokers, meaning we can bring you some great deals on your business insurance, some of which you won’t find on price comparison sites.

UK Regulated by the FCA

As a broker, we’re regulated by the Financial Conduct Authority, meaning that there is a comprehensive code of practice we abide by to ensure consumers get a fair deal on the financial services we offer.

Everything in one place

Tired of the hassle of managing multiple policies with different brokers and insurers? We can help. We can arrange most types of business insurance including liability and fleet, meaning if you switch to us, you’ll only need to deal with your dedicated account manager.

What are the main features of a Business Interruption Insurance Policy?

While Business Interruption Insurance isn't usually offered as a standalone product, it can be seamlessly integrated into various business insurance policies. This coverage is designed to compensate for lost income if your business faces temporary closure from an insured event, ensuring a return to its pre-incident operational level. Premiums may vary based on factors like business revenue, industry, employee count and location.

Main Features

Typically covers insured incidents such fire, malicious damage or theft, or natural events such as flood and storms.
Can compensate for loss of income based on your expected revenue for that period.
Cover is usually based on a ‘maximum indemnity period’ – this is the timeframe the policy will cover you from, following the incident date.
Can include interruption of, or interference caused, by the failure of the public supply of electricity, gas, water, or communication services.
Can cover rent, bills and other fixed overheads such as payroll and taxes during the period you are unable to trade.
Can assist with temporary relocation cover (e.g. rental of temporary office space).
Can reimburse additional expenses including overtime, accountant fees or cleaning.

Business Interruption Insurance