Business interruption insurance

Uninterrupted royal insurance cover… Should your business ever come to a standstill

In a nutshell

By ‘business interruption cover' we mean your financial loss due to the interruption of, or interference with, your business activities, following a loss or damage that you've claimed for under fire, buildings combined or office contents insurance. The king's business interruption cover won't just cover you, it'll also protect your business every step of the way.

  • Gross profit: Difference basis or additions basis.
  • Gross rentals.
  • Revenue.
  • Additional increase in cost of working.
  • Wages (on a ‘number of weeks' basis).
  • Fines and penalties.
  • Accounts receivable (if stated separately on your policy schedule).
  • Other premises… Where your property's stored or in transit; where your motors may be; and contract sites.

Business interruption caused directly or indirectly by

  • Drought.
  • A telecommunications fault of the facility belonging to your premises.
  • Intentional, organised action by a telecommunications provider.
  • Accidental damage (unless otherwise stated on your policy schedule).
  • Pollution of water.
  • A shortage of fuel, gas or water.
  • Faulty installation of any part belonging to your premises.
  • Intentional, organised action by a public authority.
  • Consequential loss (except for rent or alternative accommodation).
  • The detention or confiscation of money by a lawfully constituted authority.
  • Stoppage, slowing down or the interruption of work or processes.
  • Nuclear substances.
  • Wars, political acts, terrorism (or any such attempted acts), acts of a foreign enemy, warlike operations, civil war, military uprising, usurped power, martial law, rebellion or revolution (and lawful authority dealing with these).
  • Accidental damage.
  • Prevention of access.
  • Prevention of access to other premises.
  • Public telecommunications: Insured events only.
  • Public telecommunications: Other causes.
  • Public utilities: Insured events only.
  • Public utilities: Other causes.
  • Riot and strike.
  • Specified customers.
  • Specified suppliers and sub-contractors.
  • Unspecified suppliers and sub-contractors.