Business Income Insurance

Cover for financial loss from business disruption

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Do I need Business Income Insurance?

To answer that question, you need to ask yourself another: could your business survive and overcome a crisis? If your premises were damaged, for instance, and you were unable to trade, could you cope financially?

Damage and disasters – whether accidental, natural or criminal– can be devastating for businesses. Many simply don’t have the resources available to carry on trading, which means loss of income and, in the most extreme cases, closure. If you find your business becomes the victim of a crisis that leaves you unable to trade, Business Income Insurance is there to help you through the financial side of things, and to help you get back up and running.

Why choose Aviva for Business Income Insurance?

Up to £1 million protection

Disaster can be pricey. But with up to £1 million protection over a 3 -year period, cover can be available in the face of adversity.

24/7 legal and tax helpline

We’re on hand to help you through every step of the process with confidential support available around the clock.

Simple claims

Need to make a claim? With Aviva it’s quick, easy, and straightforward – and all dealt with by our UK claims centre. That’s another load off your mind.

What’s included

  • Cover for ongoing operating costs and additional expenses if you have to move to alternative premises or hire extra staff because of circumstances beyond your control
  • Cover if you lose trade as a result of your suppliers' premises being damaged
  • Protection for loss of money owed to you due to damage to or theft of your accounts records
  • Cover if your electric, gas, water or telecommunications supply is disrupted and stops you from carrying out your business
  • Cover for any expenses required to limit loss of income if the owner, partner or director dies or becomes permanently disabled
  • Payment of costs you incur due to an employee lottery win 

What’s not included

  • Losses excluded under your tools, stock and business equipment or buildings and contents cover will also be excluded under your Business Income Insurance
  • Erasure or distortion of data isn’t covered by your Business Income Insurance unless caused by damage to your computer equipment; you’re also not covered if your business is wound up, or is carried on by a liquidator or receiver, or is permanently discontinued
  • No cover for forced closure as a result of specified disease, food poisoning, vermin, pests or defective sanitation – any costs incurred in cleaning, repair, replacement, recall or checking of property

For more information about our covers and exclusions please refer to the summary of cover documents

Get a quote for Business Income Insurance

If your business has 0-9 employees, you can get our Business Income Insurance online.

It's available with our core cover of Buildings and Contents Insurance.

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Over 9 employees? Buy through a broker

Got a question?

We answer some of the most frequently asked questions about Business Income Insurance.

How much cover do I need?

Is Business Income Insurance tax deductible?

What if I bought my Business Income Insurance from a broker?