Business interruption cover (10 figures)

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.

27 candidate sentences on these pages were refused by a reviewer; each refusal and its reason is recorded in the review ledger.