Business Interruption Insurance.
Property insurance covers the damaged building or equipment. But the weeks or months you're closed, the rent that keeps coming, the staff you can't let go - that's what business interruption insurance is for. It's the cover that keeps a property claim from becoming a business failure.
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About This Cover
Business interruption insurance - what it covers and why Australian businesses need it
Business interruption insurance is a safety net for when something major - like a fire, flood, or storm - forces your business to slow down. This cover helps replace lost income and keeps the lights on while you're not operating as usual.
If your business has to close because of a covered event, this insurance kicks in. It looks at what your business would have earned if nothing went wrong and helps cover that gap. You'll also get help with running costs until you're back in action.
It's all about helping your business survive the downtime and bounce back stronger.
What's Included
What's included - standard covers in a business interruption policy
Lost Income
The revenue you would have earned while the doors were shut.
Fixed Costs
Rent, loan repayments and the bills that keep arriving even when revenue doesn't.
Temporary Relocation
If you need to set up an alternative location while repairs are underway, this helps cover the cost.
Extra Expenses
Hiring extra hands or sourcing interim measures to keep things running in the short term.
Access Issues
Cover when government actions or events prevent customers from reaching your premises.
Repair & Running Costs
Covers ongoing operating costs and repairs while you work to get back to full capacity.
Utilities & Overheads
Helps you keep paying essential overheads so you don't lose staff or suppliers during downtime.
Taxes & Levies
Covers ongoing tax obligations and business levies that continue regardless of trading status.
Who Needs This
Who needs business interruption insurance - businesses most vulnerable to downtime
Businesses in High-Risk Areas
Flood zones, bushfire-prone regions, or areas exposed to severe weather events - the risk is real and the downtime can be catastrophic.
Retailers & E-Commerce
A fire or flood that closes your store or warehouse doesn't just damage property - it stops revenue completely.
Service Providers
When you can't trade, you can't invoice. Service businesses with fixed overheads are especially vulnerable to income gaps.
Cafes, Restaurants & Hospitality
High-volume, low-margin operations can't absorb even a few weeks of downtime without financial cover in place.
Seasonal Businesses
If your peak revenue window is disrupted by an insured event, business interruption cover helps protect what you can't make back later.
Why Co-Pilot
Why Co-Pilot for business interruption insurance - not just any broker
We work for you, not the insurer
As an independent broker, we have no loyalty to any insurer. Our job is to find the cover that protects your income - not the policy that earns someone a commission.
Insurer relationships that open doors
Access to 90+ insurers, including those who specialise in high-risk industries, seasonal businesses, and operations with complex revenue structures.
Honest advice on indemnity period length
Most businesses underestimate how long recovery takes. We help you set the right indemnity period from the start - because once you're mid-claim, it's too late to extend it.
Clear communication, no surprises
We explain your policy in plain language, track your business changes at renewal, and support you through the claims process - not just at sign-up.
Hear What Our Clients Are Saying
“Steven was an absolute pleasure to work with throughout the process start to finish. He made our life easier, answered all our questions and helped us navigate the whole loan process. Couldn't reccomend him high enough!”
Josh Sheil
FAQ
Common Questions About Business Interruption Insurance
Property insurance covers the damage.
Business interruption covers the downtime.
Co-Pilot searches across 90+ insurers to structure the right cover for your revenue, costs, and recovery timeline. Get the indemnity period right before you need it.
No impact to your credit score