Protect Your Income

Business Interruption Insurance

When disaster stops you trading, the bills don't stop with it. Business interruption cover protects the income your business loses during downtime — so a setback doesn't become a shutdown.

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FSCA-authorised broker (FSP 55248) Based in Midrand Access to 10+ insurers

The cover property insurance doesn't provide

If a fire or other insured event forces you to close, property insurance will help repair the damage — but it won't replace the income you lose while you're not trading. That's the gap business interruption cover is built to fill.

Lost income

Cover for the profit your business would have earned during the disruption.

Ongoing costs

Help meeting fixed costs — like salaries and rent — that continue while you're closed.

Recovery support

Cover that keeps cash flowing while you get back to normal operations.

Getting the indemnity period right

The indemnity period is how long the policy keeps paying while you recover. Set it too short and cover can run out before the business is back on its feet. We help you choose a realistic period based on how long a genuine recovery would take.

Consider it if your business

Depends on specific premises, equipment or stock
Would struggle to cover costs during a forced closure
Already carries commercial property or asset cover

Pair it with your property cover

Business interruption works hand in hand with commercial property insurance — one restores your assets, the other protects your income. We can structure both so there are no surprises when it matters most.

Business interruption FAQs

What is business interruption insurance?

It covers the income your business loses when an insured event disrupts operations — helping with ongoing costs and lost profit while you recover, rather than the physical damage itself.

How is it different from property insurance?

Property insurance repairs or replaces physical assets after an event. Business interruption covers the income lost while you can't trade normally. The two work together.

What is an indemnity period?

It's the maximum length of time the policy will pay out while your business recovers. Choosing a realistic period is one of the most important decisions in setting up this cover — we help you get it right.

Which businesses should consider it?

Any business that would struggle to cover its costs if it couldn't trade for a period — especially those reliant on specific premises, equipment or stock.