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Business Interruption

Helping to keep your business running smoothly after an unexpected event, by covering the turnover that is lost - so you can recover and rebuild.

Who should consider Business Interruption protection?

If your business suffered an unexpected disruption such as fire, flood or storm - how long would it take to get up and running again?

For most business owners, there are ongoing expenses that you need to pay even if you're not generating revenue.

Business Interruption insurance can get you through a temporary crisis by protecting your cashflow - so you can pay these expenses and help ensure the future of your business.

Who should consider Business Interruption protection?

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If your business suffered an unexpected disruption such as fire, flood or storm - how long would it take to get up and running again?

receipt

For most business owners, there are ongoing expenses that you need to pay even if you're not generating revenue.

finance

Business interruption insurance can get you through a temporary crisis by protecting your cashflow - so you can pay these expenses and help ensure the future of your business.

What can it cover?

Business Interruption insurance can cover the loss of income while your business is out of action – so you can continue your operations. Depending on the policy, Business Interruption insurance may also cover:

Revenue/income

Income that would have been earned during the period the business cannot operate.

Fixed costs

Operating expenses and other costs still being incurred by the property (based on historical costs).

Temporary relocation

The extra expenses for moving to, and operating from, a temporary location.

Civil authority ingress/egress

Government-mandated closure of business premises that directly causes loss of revenue such as street closures.

Extra expenses

Reimbursement for reasonable expenses (beyond the fixed costs) that allow the business to continue operating while the property is being repaired.

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Advice when it matters. Advocacy when it counts.

Case Study

Scenario: You are the owner of a small office supplies business. One night, the restaurant next door catches fire and spreads to your business premises — destroying property, stock and IT systems. You are unable to open the shop for weeks while the building is being repaired. Because you are not operating, you are not making any money — and the bills are piling up.

Outcome: With Business Interruption insurance, you bank an insurance payment — maintaining cash flow at pre-interruption level. You can continue paying staff their wages and rent a temporary location so the store can keep running.

*Disclaimer: The information contained in this case study is used only for the purpose of illustration. Individual circumstances, insurance and coverage may vary.

FAQs

Clear answers to help you understand our insurance solutions quickly and confidently

What can I expect from a Gow-Gates broker?

You’ll work directly with experienced brokers who take the time to understand your risk, challenge assumptions, and give advice that stands up when tested. We don’t disappear after placement. We stay accountable through claims, renewals, and change.

Do you work with businesses of all sizes?

We support a wide range of organisations, from growing businesses to complex national entities. Regardless of size, our approach remains the same: senior involvement, considered advice, and accountability for outcomes.

Which insurers do you work with?

We work with more than 150 Australian and international insurers. But our role isn’t to compare quotes, it’s to structure the right insurance program and negotiate outcomes on your behalf. We advocate for you in the market, not the other way around.

What happens if I need to make a claim?

Claims are where brokers prove their value. We manage the process end‑to‑end, challenge insurers where needed, and stay involved until resolution. You deal with the same team who advised you upfront, because accountability doesn’t stop when a premium is paid.

How do you approach insurance advice?

Insurance is a tool, not a product. Our advice starts with understanding your business, identifying where risk genuinely sits, and designing cover that reflects reality, not boilerplate policy wordings. That approach leads to better decisions and fewer surprises at claim time.

Let’s Connect

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Business Interruption

Who should consider Business Interruption protection?

Who should consider Business Interruption protection?

What can it cover?

Revenue/income

Fixed costs

Temporary relocation

Civil authority ingress/egress

Extra expenses

Advice when it matters. Advocacy when it counts.

Case Study

FAQs

Let’s Connect

Thank you for your submission!

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