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Business interruption calculator

Written and reviewed by Sanjeev Yoganathan · Last reviewed 10 June 2026

Estimate your potential business interruption exposure — the financial impact of being unable to trade for a period after a covered event such as fire or flood.

Note: We don't store what you type, and we never ask for medical or sensitive personal details.

Check your policy — the correct basis depends on how your BI sum insured is defined.

Be realistic — rebuilding, restocking, and re-acquiring customers can take longer than you think.

Add a buffer if your business has peak seasons — e.g. 15% if Q4 is your strongest quarter.

Extra costs to keep trading — e.g. alternative premises, equipment hire.

Assumptions and methodology

Estimated BI need = (monthly gross profit or fixed-cost basis × recovery months) + payroll (if included) + increased cost of working + seasonality buffer. Cash reserves are shown separately and only deducted if the user opts to view net exposure. A broker or adviser should help you define the appropriate BI basis (gross profit vs revenue) for your policy.

Common mistakes to avoid

  • Under-buying the indemnity period — if recovery takes 18 months but your policy only covers 12, you bear the remaining loss.
  • Choosing revenue instead of gross profit as the BI basis — check which basis your policy uses.
  • Forgetting payroll as a fixed cost if you want to retain staff during a closure.
  • Not considering seasonality — a business that earns most of its income in Q4 needs a higher BI sum if an event occurs in that period.

Frequently asked questions

Written and reviewed by Sanjeev Yoganathan · Last reviewed 10 June 2026

Disclaimer

This is a simplified estimate based on the assumptions shown above. It isn't a quote, and a real insurer may arrive at a different figure. Use it as a starting point, then check the details with your insurer or adviser.