When something unexpected puts your business on pause — like a fire, flood or storm — Business Interruption Insurance can help cover your ongoing costs while you get back on your feet. Think wages, rent, loan repayments and lost profit.
At Arbor Insurance, we’ve seen how long it can take to recover after a major event. Replacing equipment, rebuilding, finding suppliers — it all adds up. That’s where this cover steps in to:
✅ Replace lost net profit
✅ Cover ongoing expenses like wages and utilities
✅ Pay extra costs to minimise downtime
How Long Should Cover Last?
The indemnity period is how long the insurer will support your recovery — 12 months is common, but sometimes longer makes sense. Ask yourself:
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How long would repairs or rebuilding take?
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How quickly could you get customers back?
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Could you source new stock or machinery easily?
What Affects the Cost?
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Your industry – e.g. retail, trade, professional services
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Indemnity period length
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Payroll requirements
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Reliance on key suppliers or clients
We help you weigh the risk vs. cost, so you’re not left short.
How It’s Calculated
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Smaller businesses often use weekly income or sales
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Larger firms (wholesalers, manufacturers) use annual gross profit (turnover minus variable costs)
Even service-based businesses like IT, legal or creative agencies can be hit hard by forced closures or relocation. It’s not just lost profit — think temporary office space, equipment hire, and tech replacement.
Let’s Talk About It
A major interruption doesn’t just hit your bank account — it affects your people, your customers and your peace of mind. We’re here to help you plan for the “what ifs” — so if something does happen, you’re not facing it alone.
📞 Got questions? Reach out to our Arbor team — we’re here to help you protect what you’ve built.