{ "name": "Insurance by Profession GB Business Interruption Cover Terms", "title": "GB Business Interruption Cover Terms", "url": "https://insurancebyprofession.com/datasets/gb-business-interruption-cover-terms/", "csv": "https://insurancebyprofession.com/datasets/gb-business-interruption-cover-terms.csv", "markdown": "https://insurancebyprofession.com/datasets/gb-business-interruption-cover-terms/index.md", "computed_at": "2026-10-19", "license": "https://insurancebyprofession.com/terms", "headline": "The GB Business Interruption Cover Terms carries 10 published figures read from 4 sources' own pages; the 8 published figures given by extension run from 1 to 100,000 GBP, read 28 September 2026.", "quotes": [ "The GB Business Interruption Cover Terms carries 10 published figures read from 4 sources' own pages; the 8 published figures given by extension run from 1 to 100,000 GBP, read 28 September 2026.", "4 of the 26 named sources read in full publish a figure; 22 publish none, read 28 September 2026.", "GB Business Interruption Cover Terms, extension customers-and-suppliers: median 25,000.50 GBP across 2 sources, read 28 September 2026.", "GB Business Interruption Cover Terms, extension claims-preparation: median 25,000 GBP across 1 source, read 28 September 2026.", "GB Business Interruption Cover Terms, extension additional-expenses: median 50,000 GBP across 1 source, read 28 September 2026.", "GB Business Interruption Cover Terms, extension utilities: median 1 GBP across 1 source, read 28 September 2026.", "GB Business Interruption Cover Terms, extension property-stored-elsewhere: median 100,000 GBP across 1 source, read 28 September 2026.", "GB Business Interruption Cover Terms, extension food-poisoning: median 100,000 GBP across 1 source, read 28 September 2026.", "GB Business Interruption Cover Terms, extension key-person-disablement: median 25,000 GBP across 1 source, read 28 September 2026." ], "citation": "\"Insurance by Profession GB Business Interruption Cover Terms\", updated 2026-10-19, https://insurancebyprofession.com/datasets/gb-business-interruption-cover-terms/.", "changed_since": null, "national": { "unit": "GBP", "n": 10, "median": 25000, "min": 1, "max": 100000, "p25": 15.9925, "p75": 62500, "mean": 35007.299, "units": { "GBP": 10 }, "published_sources": 4, "named_sources": 27, "read_sources": 26, "not_published": 22, "published_share": 0.154 }, "by_axis": { "extension": { "customers-and-suppliers": { "GBP": { "n": 2, "median": 25000.5, "min": 1, "max": 50000, "p25": null, "p75": null, "mean": 25000.5 } }, "claims-preparation": { "GBP": { "n": 1, "median": 25000, "min": 25000, "max": 25000, "p25": 25000, "p75": 25000, "mean": 25000 } }, "additional-expenses": { "GBP": { "n": 1, "median": 50000, "min": 50000, "max": 50000, "p25": 50000, "p75": 50000, "mean": 50000 } }, "utilities": { "GBP": { "n": 1, "median": 1, "min": 1, "max": 1, "p25": 1, "p75": 1, "mean": 1 } }, "property-stored-elsewhere": { "GBP": { "n": 1, "median": 100000, "min": 100000, "max": 100000, "p25": 100000, "p75": 100000, "mean": 100000 } }, "food-poisoning": { "GBP": { "n": 1, "median": 100000, "min": 100000, "max": 100000, "p25": 100000, "p75": 100000, "mean": 100000 } }, "key-person-disablement": { "GBP": { "n": 1, "median": 25000, "min": 25000, "max": 25000, "p25": 25000, "p75": 25000, "mean": 25000 } } } }, "rows": [ { "source": "Business Interruption Insurance (nfumutual.co.uk)", "url": "https://www.nfumutual.co.uk/commercial-insurance/business-interruption/", "figure": "£1 ", "value": 1, "unit": "GBP", "vat": null, "axis": { "extension": "customers-and-suppliers" }, "retrieved_at": "2026-09-28", "quote": "What's covered: Losses due to damage at the premises of your customers or suppliers, up to 15% of the sum insured as standard (maximum of £1 million).", "source_class": "primary-provider-own-site", "text_sha256": "ae2f947747ca56c947d9e45a707cdf7cfa9a7054d5bbcdb99f8e8310696b76a2" }, { "source": "Business Interruption Insurance (nfumutual.co.uk)", "url": "https://www.nfumutual.co.uk/commercial-insurance/business-interruption/", "figure": "£25,000.", "value": 25000, "unit": "GBP", "vat": null, "axis": { "extension": "claims-preparation" }, "retrieved_at": "2026-09-28", "quote": "The cost of preparing a claim, up to £25,000.", "source_class": "primary-provider-own-site", "text_sha256": "ae2f947747ca56c947d9e45a707cdf7cfa9a7054d5bbcdb99f8e8310696b76a2" }, { "source": "Business Interruption Insurance (nfumutual.co.uk)", "url": "https://www.nfumutual.co.uk/commercial-insurance/business-interruption/", "figure": "£50,000.", "value": 50000, "unit": "GBP", "vat": null, "axis": { "extension": "additional-expenses" }, "retrieved_at": "2026-09-28", "quote": "Additional expenses incurred to minimise your losses, with our consent, up to £50,000.", "source_class": "primary-provider-own-site", "text_sha256": "ae2f947747ca56c947d9e45a707cdf7cfa9a7054d5bbcdb99f8e8310696b76a2" }, { "source": "Business Interruption Insurance (nfumutual.co.uk)", "url": "https://www.nfumutual.co.uk/commercial-insurance/business-interruption/", "figure": "£1 ", "value": 1, "unit": "GBP", "vat": null, "axis": { "extension": "utilities" }, "retrieved_at": "2026-09-28", "quote": "Damage at the premises of your utilities or telecommunications suppliers, up to 15% of the sum insured (maximum of £1 million).", "source_class": "primary-provider-own-site", "text_sha256": "ae2f947747ca56c947d9e45a707cdf7cfa9a7054d5bbcdb99f8e8310696b76a2" }, { "source": "Business Interruption Insurance (nfumutual.co.uk)", "url": "https://www.nfumutual.co.uk/commercial-insurance/business-interruption/", "figure": "£100,000.", "value": 100000, "unit": "GBP", "vat": null, "axis": { "extension": "property-stored-elsewhere" }, "retrieved_at": "2026-09-28", "quote": "Property stored elsewhere, up to £100,000.", "source_class": "primary-provider-own-site", "text_sha256": "ae2f947747ca56c947d9e45a707cdf7cfa9a7054d5bbcdb99f8e8310696b76a2" }, { "source": "Business Interruption Insurance (nfumutual.co.uk)", "url": "https://www.nfumutual.co.uk/commercial-insurance/business-interruption/", "figure": "£100,000.", "value": 100000, "unit": "GBP", "vat": null, "axis": { "extension": "food-poisoning" }, "retrieved_at": "2026-09-28", "quote": "Poisoning from food or drink supplied from your premises, up to £100,000.", "source_class": "primary-provider-own-site", "text_sha256": "ae2f947747ca56c947d9e45a707cdf7cfa9a7054d5bbcdb99f8e8310696b76a2" }, { "source": "Business Interruption Insurance (directlineforbusiness.co.uk)", "url": "https://www.directlineforbusiness.co.uk/business-insurance/business-interruption-insurance", "figure": "£50,000.", "value": 50000, "unit": "GBP", "vat": null, "axis": { "extension": "customers-and-suppliers" }, "retrieved_at": "2026-09-28", "quote": "If one of your key clients or suppliers suffers an interruption to their business, and this has a knock-on effect on yours, we'll cover your loss of turnover up to a maximum of £50,000.", "source_class": "primary-provider-own-site", "text_sha256": "6384dc321a3f6a9999766d1fadada0be2df61b102ac0f91e691e0f5555864aa7" }, { "source": "Business Interruption Insurance (directlineforbusiness.co.uk)", "url": "https://www.directlineforbusiness.co.uk/business-insurance/business-interruption-insurance", "figure": "£25,000 ", "value": 25000, "unit": "GBP", "vat": null, "axis": { "extension": "key-person-disablement" }, "retrieved_at": "2026-09-28", "quote": "Our business interruption cover can insure you if you or one of your key employees becomes seriously disabled and is unable to continue work, we will cover the incurred costs up to £25,000 to minimise any interruption to the business.", "source_class": "primary-provider-own-site", "text_sha256": "6384dc321a3f6a9999766d1fadada0be2df61b102ac0f91e691e0f5555864aa7" }, { "source": "Business Interruption Insurance (hellopolaris.co.uk)", "url": "https://www.hellopolaris.co.uk/blog/business-interruption-insurance-how-it-works-when-you-need-it/", "figure": "£20.99 ", "value": 20.99, "unit": "GBP", "vat": null, "axis": {}, "retrieved_at": "2026-09-28", "quote": "Bespoke cover from only £20.99 per month", "source_class": "primary-provider-own-site", "text_sha256": "4e1a0be7d439b5790bedcf25034625f1889986005e44f933aec7a0b067a08ed3" }, { "source": "Business Interruption Insurance (axa.co.uk)", "url": "https://www.axa.co.uk/business-insurance/business-interruption-insurance/", "figure": "£50.", "value": 50, "unit": "GBP", "vat": null, "axis": {}, "retrieved_at": "2026-09-28", "quote": "This cover has a minimum premium of £50.", "source_class": "primary-provider-own-site", "text_sha256": "b73ca9c5853a1f54f34e770335525618a096d53b07ffb22265ea7ce4e82541ac" } ], "not_published": [ { "source": "Business Interruption Insurance (hiscox.co.uk)", "url": "https://www.hiscox.co.uk/business-insurance/business-interruption", "retrieved_at": "2026-09-28", "reason": "every candidate on the page was refused" }, { "source": "Business Interruption Insurance (simplybusiness.co.uk)", "url": "https://www.simplybusiness.co.uk/business-insurance/business-interruption-insurance/", "retrieved_at": "2026-09-28", "reason": "every candidate on the page was refused" }, { "source": "Business Interruption Insurance & Cover (premierline.co.uk)", "url": "https://www.premierline.co.uk/covers/business-interruption/", "retrieved_at": "2026-09-28", "reason": "read in full and no accepted figure on the page" }, { "source": "Business Interruption Insurance (bollington.com)", "url": "https://www.bollington.com/business-insurance/business-interruption", "retrieved_at": "2026-09-28", "reason": "read in full and no accepted figure on the page" }, { "source": "Business Interruption Insurance (insurance2day.co.uk)", "url": "https://www.insurance2day.co.uk/important-information/business-interruption-insurance/", "retrieved_at": "2026-09-28", "reason": "read in full and no accepted figure on the page" }, { "source": "Types of Business Interruption Insurance (insyncinsurance.co.uk)", "url": "https://www.insyncinsurance.co.uk/knowledge-centre/articles/types-business-interruption-insurance/", "retrieved_at": "2026-09-28", "reason": "every candidate on the page was refused" }, { "source": "Setting indemnity periods (allianz.co.uk)", "url": "https://www.allianz.co.uk/news-and-insight/insight-and-expertise/setting-indemnity-periods-why-its-crucial-to-get-it-right.html", "retrieved_at": "2026-09-28", "reason": "read in full and no accepted figure on the page" }, { "source": "What to consider when choosing a BI maximum indemnity period (zurich.co.uk)", "url": "https://www.zurich.co.uk/broker/articles/what-to-consider-when-choosing-a-bi-maximum-indemnity-period", "retrieved_at": "2026-09-28", "reason": "read in full and no accepted figure on the page" }, { "source": "Why choosing the right indemnity period matters (aon.com)", "url": "https://www.aon.com/en-gb/insights/articles/locations/uk/why-choosing-the-right-indemnity-period-matters", "retrieved_at": "2026-09-28", "reason": "read in full and no accepted figure on the page" }, { "source": "Business Interruption Insurance (howdengroup.com)", "url": "https://www.howdengroup.com/uk-en/insurance/business-interruption-insurance", "retrieved_at": "2026-09-28", "reason": "read in full and no accepted figure on the page" }, { "source": "The importance of the indemnity period (brentsinsurance.co.uk)", "url": "https://brentsinsurance.co.uk/uncategorized/business-interruption-insurance-the-importance-of-the-indemnity-period-revealed/", "retrieved_at": "2026-09-28", "reason": "read in full and no accepted figure on the page" }, { "source": "Business Interruption (businessinsurance.co.uk)", "url": "https://www.businessinsurance.co.uk/insurance/business-interruption-insurance/", "retrieved_at": "2026-09-28", "reason": "read in full and no accepted figure on the page" }, { "source": "Business interruption insurance - a brief guide (darwinclayton.co.uk)", "url": "https://www.darwinclayton.co.uk/business-interruption-insurance-a-brief-guide/", "retrieved_at": "2026-09-28", "reason": "read in full and no accepted figure on the page" }, { "source": "Business Interruption Insurance Indemnity Period (cass-stephens.co.uk)", "url": "https://cass-stephens.co.uk/business-interruption-insurance-indemnity-period-important-consideration", "retrieved_at": "2026-09-28", "reason": "read in full and no accepted figure on the page" }, { "source": "The Right Indemnity Period (ascendbroking.co.uk)", "url": "https://ascendbroking.co.uk/the-right-indemnity-period-for-business-interruption-insurance", "retrieved_at": "2026-09-28", "reason": "read in full and no accepted figure on the page" }, { "source": "Indemnity periods in business interruption insurance (alanboswell.com)", "url": "https://www.alanboswell.com/resources/how-to-calculate-indemnity-period-for-business-interruption-insurance/", "retrieved_at": "2026-09-28", "reason": "read in full and no accepted figure on the page" }, { "source": "Business Interruption Insurance (insurancesure.co.uk)", "url": "https://www.insurancesure.co.uk/business-interruption-insurance/", "retrieved_at": "2026-09-28", "reason": "read in full and no accepted figure on the page" }, { "source": "Business interruption (mcclarroninsurance.com)", "url": "https://www.mcclarroninsurance.com/news/business-interruption/", "retrieved_at": "2026-09-28", "reason": "read in full and no accepted figure on the page" }, { "source": "Business Interruption Insurance Brokers UK (wsinsurance.co.uk)", "url": "https://wsinsurance.co.uk/business-interruption-insurance-brokers-uk-securing-your-revenue-in-2026/", "retrieved_at": "2026-09-28", "reason": "read in full and no accepted figure on the page" }, { "source": "What does business interruption insurance really cover (cohibl.com)", "url": "https://cohibl.com/what-does-business-interruption-insurance-really-cover/", "retrieved_at": "2026-09-28", "reason": "every candidate on the page was refused" }, { "source": "Business interruption insurance (iwoca.co.uk)", "url": "https://www.iwoca.co.uk/insurance-explained/business-interruption-insurance", "retrieved_at": "2026-09-28", "reason": "every candidate on the page was refused" }, { "source": "Business Interruption Insurance (moneysupermarket.com)", "url": "https://www.moneysupermarket.com/business-insurance/business-interruption-insurance/", "retrieved_at": "2026-09-28", "reason": "every candidate on the page was refused" } ], "sources": [ { "url": "https://www.nfumutual.co.uk/commercial-insurance/business-interruption/", "label": "Business Interruption Insurance (nfumutual.co.uk)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.directlineforbusiness.co.uk/business-insurance/business-interruption-insurance", "label": "Business Interruption Insurance (directlineforbusiness.co.uk)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.axa.co.uk/business-insurance/business-interruption-insurance/", "label": "Business Interruption Insurance (axa.co.uk)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.hiscox.co.uk/business-insurance/business-interruption", "label": "Business Interruption Insurance (hiscox.co.uk)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.simplybusiness.co.uk/business-insurance/business-interruption-insurance/", "label": "Business Interruption Insurance (simplybusiness.co.uk)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.premierline.co.uk/covers/business-interruption/", "label": "Business Interruption Insurance & Cover (premierline.co.uk)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.bollington.com/business-insurance/business-interruption", "label": "Business Interruption Insurance (bollington.com)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.hellopolaris.co.uk/blog/business-interruption-insurance-how-it-works-when-you-need-it/", "label": "Business Interruption Insurance (hellopolaris.co.uk)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.insurance2day.co.uk/important-information/business-interruption-insurance/", "label": "Business Interruption Insurance (insurance2day.co.uk)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.insyncinsurance.co.uk/knowledge-centre/articles/types-business-interruption-insurance/", "label": "Types of Business Interruption Insurance (insyncinsurance.co.uk)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.allianz.co.uk/news-and-insight/insight-and-expertise/setting-indemnity-periods-why-its-crucial-to-get-it-right.html", "label": "Setting indemnity periods (allianz.co.uk)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.zurich.co.uk/broker/articles/what-to-consider-when-choosing-a-bi-maximum-indemnity-period", "label": "What to consider when choosing a BI maximum indemnity period (zurich.co.uk)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.aon.com/en-gb/insights/articles/locations/uk/why-choosing-the-right-indemnity-period-matters", "label": "Why choosing the right indemnity period matters (aon.com)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.howdengroup.com/uk-en/insurance/business-interruption-insurance", "label": "Business Interruption Insurance (howdengroup.com)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://brentsinsurance.co.uk/uncategorized/business-interruption-insurance-the-importance-of-the-indemnity-period-revealed/", "label": "The importance of the indemnity period (brentsinsurance.co.uk)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.businessinsurance.co.uk/insurance/business-interruption-insurance/", "label": "Business Interruption (businessinsurance.co.uk)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.darwinclayton.co.uk/business-interruption-insurance-a-brief-guide/", "label": "Business interruption insurance - a brief guide (darwinclayton.co.uk)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://cass-stephens.co.uk/business-interruption-insurance-indemnity-period-important-consideration", "label": "Business Interruption Insurance Indemnity Period (cass-stephens.co.uk)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://ascendbroking.co.uk/the-right-indemnity-period-for-business-interruption-insurance", "label": "The Right Indemnity Period (ascendbroking.co.uk)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.alanboswell.com/resources/how-to-calculate-indemnity-period-for-business-interruption-insurance/", "label": "Indemnity periods in business interruption insurance (alanboswell.com)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.insurancesure.co.uk/business-interruption-insurance/", "label": "Business Interruption Insurance (insurancesure.co.uk)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.mcclarroninsurance.com/news/business-interruption/", "label": "Business interruption (mcclarroninsurance.com)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://wsinsurance.co.uk/business-interruption-insurance-brokers-uk-securing-your-revenue-in-2026/", "label": "Business Interruption Insurance Brokers UK (wsinsurance.co.uk)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://cohibl.com/what-does-business-interruption-insurance-really-cover/", "label": "What does business interruption insurance really cover (cohibl.com)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.iwoca.co.uk/insurance-explained/business-interruption-insurance", "label": "Business interruption insurance (iwoca.co.uk)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.moneysupermarket.com/business-insurance/business-interruption-insurance/", "label": "Business Interruption Insurance (moneysupermarket.com)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.google.co.uk/search?q=business+interruption+insurance+indemnity+period", "label": "google.co.uk", "license": "the publisher's own terms; quoted for reporting and comment" } ], "methodology": "Every row is a verbatim sentence read from the named source's own page through our fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2). 4 of the 26 named sources that could be read published a usable figure; 22 published none and are recorded as not published, never filled in; 1 could not be read (blocked, dead or unreachable) and count nowhere. The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source for each breakdown it prices, in GBP (a source's median where its page yielded several accepted sentences for one breakdown), so a page that gives figures for several breakdowns gives one for each and N counts 10 figures, never sentences; 27 candidate sentence(s) were refused by a reviewer with the reason recorded. The fuller derivation this dataset is chartered to grow into (not yet what the figures above are; they are each source's own published figure as read): Per UK seller - insurer or broker, read on its OWN business interruption page or guidance - the indemnity-period options it states (the minimum, the steps, the maximum, in months), the minimum period it RECOMMENDS, the extension sub-limits it prints (customers and suppliers, utilities, claims preparation, additional expenses, as £ caps and as a % of the sum insured), the uplift a declaration-linked policy applies, and any printed BI price or minimum premium. Computed ACROSS them, which no seller publishes: the modal and the widest period on offer (on the first reads 12 to 36 months in six-month steps is the common range, while Bollington states 9 to 48 and Aon 12 to 60); the gap between the 12 months most policies are bought at and the 24-month floor that Allianz, Zurich, Howden, Brents, the Business Insurance Bureau and COHIBL each recommend in their own words - the count of sellers recommending at least 24 months set against the period the market defaults to; the extension caps side by side (NFU Mutual: customers and suppliers 15% of the sum insured to £1m, claims preparation £25,000; Direct Line: customers and suppliers to £50,000); and the price of length, which is smaller than buyers assume (Insurance2day: a 24-month premium usually under 150% of the 12-month one; AXA: a £50 minimum premium on the BI add-on; Polaris: bespoke cover from £20.99 a month). A seller that states no period and no sub-limit is recorded 'not published', never inferred.", "embed": "

1 to 100,000 GBP

8 of 10 published figures (extension), GB Business Interruption Cover Terms, across 4 sources, read 28 September 2026

Source: Insurance by Profession GB Business Interruption Cover Terms
" }