Business Interruption Insurance Covers the Income You Lose While You Recover

Business Interruption Insurance covers the loss of income and ongoing fixed costs when your business is unable to trade normally following an insured event, such as fire or storm damage to your premises. It's typically arranged alongside Commercial Property cover, since it responds to the same triggering events.

Cover can include lost revenue, continuing expenses like rent and wages, and the increased cost of working from an alternative location while repairs take place. We help you set an indemnity period and sum insured that reflects how long recovery would realistically take.

Which Sectors Often Need Business Interruption Insurance

If you operate any business, Business Interruption Insurance is typically a core requirement — if your sector is not on the list? Get in touch and we'll talk through what you need & how we can help.

Click on a sector to learn more about other insurances that may be needed to protect your business.

What You'll Need for a Business Interruption Insurance Quote

We'll talk you through it so that you get the insurance you need for your situation
Annual Revenue & Gross Profit

Your business's annual revenue and gross profit, used to calculate the sum insured.

Indemnity Period

How long it would realistically take your business to recover and return to normal trading after a major event.

Fixed Costs

Your ongoing fixed costs, such as rent, wages, and loan repayments, that would continue even if you couldn't trade.

Linked Property Cover

Details of your existing Commercial Property policy, since Business Interruption is usually arranged alongside it.

How Business Interruption Insurance Differs From Related Products

Business Interruption vs. Commercial Property

Commercial Property covers physical damage to your building and contents. Business Interruption covers the income you lose while you can't trade because of that damage — the two are usually arranged together.

Business Interruption vs. Plant, Equipment & Machinery

Plant, Equipment & Machinery covers the cost of repairing or replacing damaged equipment. Business Interruption covers the income lost while that equipment is out of action.

Business Interruption vs. Stock & Spoilage

Business Interruption covers lost income and ongoing costs. Stock & Spoilage covers the value of stock itself lost to spoilage or contamination — both can be relevant after the same event.

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Polaris is an Australian insurance broker. We place and review cover for businesses that want a policy built around them, and service to match.

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Backed by the strength of Steadfast

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The information on this page is general in nature and does not take into account your individual objectives, financial situation, or needs. Before making a decision about an insurance product, consider whether the information is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Polaris Risk Services Pty Ltd ABN 62 689 768 634 AFSL 700131 acts as your insurance broker and sources policies from a range of insurers on your behalf. Polaris does not act for any insurer.

© 2026 Polaris Risk Services Pty Ltd.

Logo

Polaris is an Australian insurance broker. We place and review cover for businesses that want a policy built around them, and service to match.

Company

HEAD OFFICE

Backed by the strength of Steadfast

Steadfast logo

The information on this page is general in nature and does not take into account your individual objectives, financial situation, or needs. Before making a decision about an insurance product, consider whether the information is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Polaris Risk Services Pty Ltd ABN 62 689 768 634 AFSL 700131 acts as your insurance broker and sources policies from a range of insurers on your behalf. Polaris does not act for any insurer.

© 2026 Polaris Risk Services Pty Ltd.