Business Interruption

Business Interruption Insurance is designed to protect businesses of all sizes against unexpected disruptions that can have a significant financial impact.

Business Interruption Insurance
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Business Interruption Insurance

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Business Interruption Insurance

Protect Your Business Revenue with CPS General Business Interruption Insurance!
Unexpected events can stop your business operations and significantly impact your revenue. CPS General Business Interruption Insurance is designed to help businesses maintain financial stability during periods of disruption. By covering lost income, fixed operating expenses, and recovery costs, this insurance allows business owners to focus on getting back to normal as quickly as possible.
Whether you operate a small business, retail store, office, warehouse, or commercial enterprise, CPS General Business Interruption Insurance provides essential protection against financial losses resulting from unforeseen interruptions. Safeguard your cash flow, protect your employees, and ensure business continuity with comprehensive coverage tailored to your needs.

Key Benefits:

  • Coverage for lost business income
  • Protection for ongoing operating expenses
  • Support for business recovery costs
  • Financial security during unexpected disruptions
  • Flexible solutions for businesses across Australia

Learn how CPS General Business Interruption Insurance can help protect your business, revenue, and future growth.

What is Business Interruption Insurance?

Business Interruption Insurance (BI) is designed for unexpected events causing damage to a business’ premises, preventing the business from trading for an extended period. When physical repairs progress and income stops but your ongoing expenses don’t. BI will assist you with lost income and ongoing operating costs during the downtime, helping you maintain financial stability until your normal operations resume.

Indemnity period:

The indemnity period is the maximum length of time a Business Interruption policy may respond following an insured interruption, subject to the policy terms and conditions.

It is designed to help cover:

  • Loss of income or gross profit
  • Ongoing operating expenses
  • Additional costs incurred to reduce the impact of the disruption

Common indemnity periods:

  • 12 months

Often Considered:

  • Smaller or lower-complexity businesses
  • Businesses with limited reliance on specialised equipment or supply chains

Things to Consider:

  • Repairs may be completed within 12 months, but full recovery may take longer
  • Limited flexibility if delays occur

  • 24 months

Often considered by:

  • Many small to medium sized businesses
  • Businesses with staff, lease commitments or customer re-engagement needs

Things to consider:

  • Allows time for repairs and gradual return to normal operations
  • Provides greater certainty where recovery timelines are unclear

  • 36 months

Often considered by:

  • Manufacturing, agribusiness and complex operations
  • Businesses reliant on specialist machinery, seasonal income or supply chains

Things to consider:

  • Recognises that reopening does not always mean full recovery
  • Provides additional protection where rebuilding capacity or market position takes time

Why Business Interruption Insurance matters

Even a short interruption can impact:

  • Cashflow and revenue
  • Staff retention and wages
  • Customer relationships
  • Supplier contracts

Talk to us today about how we can tailor a policy specific to your needs.

Steps to get you covered

Get in Touch

The dedicated team of specialists at CPS will assist you on a wide range of personal and commercial insurance products. Phone 02 9493 7999, email info@cpsgeneral.com.au or send enquiry form.

Understand your needs

We aim to understand your business, and have the right people who have a wealth of knowledge & practical experience to ensure you get the best possible protection for your business or personal valuables.

Quote

Our team crafts personalised insurance quotes, ensuring comprehensive coverage that brings you peace of mind for your valuables and business. We make getting covered easy.

Professional Team

Whether you need guidance on policies, coverage specifics or just friendly advice for your business, we are here to simplify the process and are committed to understanding your needs.

Our range of products are designed to help you, they include:

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what people are saying

I was recommended to CPS General by my accountant. Debra Horton at CPS is the most patient and professional person I have come across in years. Going through my options, keeping me updated and making herself available to answer my many phone calls and emails.

Highly recommend Debra and CPS General.

Roger Havercroft

I’ve had excellent ongoing service for many years from Debra from CPS. She has been incredibly patient and thorough in making sure that I always have the correct coverage for my situation.

Rebecca Fink

CPS and Leah in particular helped me find an insurance provider in my role as a contracting High Risk Work Trainer and Assessor, at a very completive rate. I am grateful for their erudite and prompt assistance.

John Bursill

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