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Business Income Continuity
If you area business owner, you are the engine room of your company. If an illness or injury takes you out of action, the business doesn't just lose its leader—it loses its momentum.
Business Income Continuity (often called Business Expenses Insurance) is designed to cover your business's fixed monthly costs while you recover. While Personal Income Protection pays your mortgage and groceries, Business Continuity ensures your office doors stay open, and your staff stay paid.
What Does It Cover?
This benefit provides a monthly reimbursement for the unavoidable "stay-in-business" costs, typically including:
- Staff Salaries: Keep your key employees on the payroll so they don't look for work elsewhere.
- Rent or Mortgage: Ensure your office, warehouse, or retail space remains secure.
- Utilities & Tech: Cover electricity, water, internet, and essential software subscriptions.
- Lease Costs: Payments for vehicles, specialised machinery, or office equipment.
- Tax & Insurance: Professional indemnity, public liability, and other non-negotiable overheads.
Why It’s Different from Income Protection
The Survival Strategy
The Recovery Gap: Many business owners find that even if their personal bills are covered, the mounting debt of a stagnant business creates stress that hinders their ability to heal physically. Business Income Continuity buys you the time to heal without watching your life's work fold under the weight of unpaid overheads.
Is Your Business Prepared?
If your business can’t survive more than 30 days without your direct involvement, this cover isn't just an option—it’s a necessity. It provides the breathing room to either wait for your return or find a temporary manager to steer the ship.
More Business Insurance Options
