Business Interruption Insurance
Keep Your Business Running Smoothly With Business Interruption Insurance
Unexpected disruptions such as fires, floods, equipment failure, or forced closures can have a devastating financial impact on a business. Even if your property is insured, lost income and additional expenses during downtime can threaten your survival.
At ABA Insurance, we provide Business Interruption Insurance to help businesses recover from financial setbacks caused by unforeseen events. Our policies ensure that you can continue paying bills, wages, and other essential costs while your business gets back on track.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Business Interruption Insurance?
Business Interruption Insurance provides financial protection if an unexpected event forces your business to close or operate at a reduced capacity. Unlike property insurance, which covers physical damage, this insurance helps cover lost revenue and ongoing expenses until normal operations resume.
This type of cover is essential for:
- Retail stores, offices, and warehouses
- Hospitality businesses such as restaurants, cafes, and hotels
- Manufacturers and suppliers
- Service-based businesses and professional firms
Without this protection, businesses may struggle to recover from sudden revenue loss, putting long-term stability at risk.
Why Do You Need Business Interruption Insurance?
Financial Protection Against Lost Revenue
If a disaster disrupts your operations, your business could lose income while still being responsible for expenses such as rent, wages, and loan repayments. This insurance helps cover financial losses during downtime.
Cover for Fixed Costs and Ongoing Expenses
Even if your business is not operational, you still have ongoing expenses. Business Interruption Insurance ensures you can meet these obligations without falling into financial difficulty.
Assistance with Temporary Relocation Costs
If your premises become unusable, this insurance can cover the costs of temporary relocation, ensuring your business can continue operating.
Compliance with Business Loan and Lease Requirements
Many landlords and lenders require businesses to have Business Interruption Insurance as part of their financial risk management plan. Having the right cover can help meet these requirements.
Faster Recovery and Business Stability
A disruption can set businesses back for months or even years. Having the right cover in place ensures a smoother recovery, allowing you to rebuild without financial strain.
Get The Right Business Insurance
What Does Business Interruption Insurance Cover?
Loss of Revenue
Covers the income your business would have earned if operations had continued as normal.
Rent and Mortgage Payments
Ensures you can keep up with lease or mortgage commitments during temporary closures.
Employee Wages
Helps cover staff salaries so that you do not lose valuable employees while your business recovers.
Relocation and Temporary Premises Costs
Covers expenses if your business needs to move to a temporary location while repairs are carried out.
Loan and Debt Repayments
Ensures that ongoing financial commitments such as business loans do not become unmanageable.
Additional Operating Expenses
Covers unexpected costs such as outsourcing work or leasing equipment to continue operations.
How To Get The Right Business Interruption Insurance?
Worried About Covering Ongoing Expenses During a Closure?
Unexpected business disruptions can make it difficult to pay rent, wages, and other costs. Our policies provide financial security so you can focus on reopening.
Unsure if You Need Business Interruption Insurance?
Many businesses assume their property insurance is enough. However, it only covers physical damage, not lost revenue. Our team will assess your needs and ensure you have the right level of cover.
Concerned About Affording Insurance?
We offer competitive policies with flexible payment options, ensuring that businesses of all sizes can afford the protection they need.
Need a Fast and Simple Claims Process?
ABA Insurance provides a dedicated support team to ensure quick claims processing, helping your business recover as soon as possible.
How Much Does Business Interruption Insurance Cost?
The cost of Business Interruption Insurance depends on several factors, including:
- Business type and industry risk level
- Annual turnover and revenue levels
- The length of coverage required
- Property location and potential risks
- Previous claims history
At ABA Insurance, we offer tailored policies to match your business needs and budget, ensuring you receive the right protection at the best value.
Why Choose ABA Insurance for Business Interruption Insurance?
Industry Expertise
Our specialists understand the unique risks businesses face and provide expert advice tailored to your industry.
Customised Cover
We create personalised policies to ensure your business is protected against financial loss during unexpected disruptions.
Competitive Pricing
We work with leading insurers to find cost-effective solutions without compromising on coverage.
Fast Quotes and Simple Application Process
Our streamlined system provides quick quotes and an easy application process so you can get covered immediately.
24/7 Support and Claims Assistance
Our dedicated support team ensures you receive fast assistance whenever you need to make a claim.
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get a Quote for Business Interruption Insurance Today
Protect your business against financial loss with reliable Business Interruption Insurance from ABA Insurance. Get a fast, no-obligation quote in minutes, or speak to our expert team for tailored advice.