Protect the continuity of the business when an insured interruption affects operations.
Acrusure helps businesses consider business interruption within the wider commercial portfolio, alongside property, stock, machinery, equipment and the way the business operates.
Business interruption should be considered in the context of the business, its assets, operations and existing insurance structure.
Continuity depends on more than the building
Understand the business
The starting point is understanding the activities, assets, locations and existing insurance arrangements that support the business.
Review the wider exposure
Business interruption is considered alongside property, stock, machinery, equipment and other commercial risks that can affect operations.
What we help you consider
Acrusure reviews the business interruption exposure as part of a broader risk discussion, looking at the business activities, existing cover, changes and areas that may require further investigation.
Business activities
Understand how the business operates and the activities that support its income and day-to-day operations.
Property & assets
Consider the relationship between business interruption and commercial buildings, contents, stock, machinery and equipment.
Existing cover
Review the current insurance arrangements, policy structure and relevant terms alongside the business requirements.
Changes in the business
New locations, increased stock or equipment, changes in operations and other developments can affect the overall exposure.
Gaps & duplication
Identify areas that may need further investigation, including possible gaps, duplication or underinsurance.
Wider commercial portfolio
Consider business interruption alongside motor, goods in transit, liability and other relevant commercial insurance needs.
Our approach to business interruption
Understand
We start with the business activities, assets, locations and circumstances that shape the interruption exposure.
Review
Existing arrangements are reviewed for gaps, duplication, underinsurance, changes and areas needing further attention.
Source
Where appropriate, suitable insurers and specialist underwriting markets are approached for available solutions.
Compare & advise
Options are considered against cover, price, excesses, limitations, exclusions and the requirements of the business.
Maintain
Business changes, renewals and amendments are considered so the insurance structure can continue to reflect the risk.
Claims assistance
When a claim arises, we assist with notification, documentation, insurer communication, assessor interaction and follow-up where appropriate.
Business interruption FAQs
What is business interruption insurance for?
Business interruption cover is intended to address certain financial consequences of an insured interruption, subject to the policy wording, limits, exclusions and circumstances of the loss.
Should business interruption be reviewed with property insurance?
Yes. Acrusure considers business interruption alongside commercial property and the other assets and activities that support the business.
Can Acrusure review existing business interruption arrangements?
Yes. Existing arrangements can be reviewed against the business activities, assets, values, policy structure, changes and possible gaps or duplication.
Does every business have the same business interruption requirements?
No. The appropriate structure depends on the individual business, its activities and the risks identified during the insurance review.
Need to review your business interruption exposure?
Speak to Acrusure about your existing arrangements or a business interruption requirement.
Speak to Acrusure