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Cover overview
Business Interuption cover can protect against loss of income or gross profit that a business might suffer after an unexpected event, such as damage to your property caused by fire or flood or unforeseen circumstances affecting your suppliers.
Where cover of property will only cover physical damage to the business, Business Interruption cover provides income and profit cover during periods when you can't carry out business as usual due to an unexpected event.
You can choose the length of time your policy will pay out for (also known as the indemnity period). This will depend on how long you think it would take to get your business running again.
Having the right amount of cover that'll get your business back on track involves working out the sum insured and the right indemnity period. We can help you work out what's right for your business.
What's covered:
- Losses due to damage at the premises of your customers or suppliers, up to 15% of the sum insured as standard (maximum of £1 million).
- The cost of preparing a claim, up to £25,000.
- Additional expenses incurred to minimise your losses, with our consent, up to £50,000.
- Damage at the premises of your utilities or telecommunications suppliers, up to 15% of the sum insured (maximum of £1 million).
- Damage to nearby property that hinders access to your premises.
- Property stored elsewhere, up to £100,000.
- Poisoning from food or drink supplied from your premises, up to £100,000.
What's not covered:
- All losses if there hasn’t been an insured property claim (it doesn’t have to be with us).
- Losses excluded under the Property section.
- Losses arising from any pandemic or epidemic involving an infectious disease in humans, or from any coronavirus or mutation or variation of a coronavirus.
This is not an exhaustive list, more information can be found in the important documents section.
The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
