Could Your Business Survive a Major Disruption?

Storms. Fires. Power outages. Equipment breakdowns. Even a burst pipe can bring your business to a standstill. But it’s not always the physical damage that hurts most, it’s the lost income while you’re out of action. That’s where Business Interruption Insurance (BI) steps in.

So, What Is Business Interruption Insurance?

BI insurance covers the income you lose when your business is temporarily forced to close due to an insured event, think fire, flood, equipment failure or damage to a key supplier. It also covers additional costs you might need to stay operational, like relocating temporarily or hiring extra staff.

It’s not just about protecting your premises. It’s about protecting your cash flow when your doors are shut and the bills keep rolling in.

Why It Matters

Here’s How BI Cover Helps Keep Your Business on Track

• Keeps Cash Flow Going
  Covers lost revenue and fixed expenses (like rent, wages, and utilities) while you’re out of action.

• Covers Extra Costs
  Need to lease a temporary site, outsource work, or hire extra staff to keep things ticking over? BI cover can help with those additional increased costs of working.

• Helps You Keep Your Clients
  Just because you’re down doesn’t mean your clients stop needing service. BI cover can help fund alternative solutions, like outsourcing work to a competitor, so you don’t lose valuable relationships during downtime.

• Supports a Realistic Recovery
  Most businesses don’t bounce back to full turnover on day one. BI insurance supports you until you’re back to pre-loss earnings, or until the end of your indemnity period.

• Reduces the Risk of Permanent Closure
  Disruptions can last weeks or even months. Without income protection in place, many businesses don’t survive. BI insurance gives you the runway to rebuild properly

Who Needs BI Insurance?

If you rely on your premises, gear, or daily customer traffic to keep the money flowing - this is for you. Especially if you’re in:

• Retail – Every day closed = lost sales.

• Hospitality – Kitchen fire, flood, or health shut down? You’ll need a buffer.

• Manufacturing – No production, no revenue. And supply chains are slow to fix.

• Professional Services – Still paying rent and staff even if you’re off-site.

• Healthcare – Patient services don’t stop just because your doors do.

• IT & Tech – Downtime = lost contracts, unhappy clients.

• Disaster-prone areas – If you’re in a flood/fire zone, this isn’t optional.

What’s Typically Covered

• Lost revenue while you're closed

• Fixed overheads like rent and wages

• Costs to get back up and running (e.g. temp premises, contractors)

• Losses during a mandated shutdown (e.g. by a civil authority)

• Extended cover while you ramp back up

  
  

What’s Not Covered

• Generally Events not covered by your property policy

• Losses from poor maintenance or gradual wear and tear

• Staff negligence

• Claims beyond the agreed indemnity period (unless extended)

Always check the fine print and talk to your broker about how your policy will respond at the time of a loss.

How Sage Can Help

You insure your building and equipment, so why not your income?

Without BI insurance, even a short disruption could throw your business off course. At Sage Insurance, we’ll help you make sure you’re covered for more than just the obvious. We tailor cover that suits how your business runs, not just a standard checklist.

We also work with expert business interruption consultants to make sure we consider all aspects of your exposure from the outset - across all your locations and operations.

Let’s protect your business from the unexpected, so you can focus on bouncing back, not starting over.