Business Interruption

When operations grind to a halt, it’s the unseen financial losses that hit hardest. Business Interruption (BI) insurance is key to protecting income streams, covering not just the damage, but the downtime.

At Price Forbes, we structure responsive, global BI placements that go beyond standard wordings. Whether the exposure is in real estate, supply chain, cyber, or large-scale infrastructure, we help design policies that truly reflect how your clients operate and where they’re vulnerable.

We work across Lloyd’s, London company markets, Bermuda, and key international carriers giving you flexible capacity and access to leading underwriters in this increasingly nuanced class.

Business Interruption solutions


We place standalone Business Interruption or package it within wider Property or Specialty programmes. Key coverage options include:

  • Loss of Gross Profit or Revenue
    Covering lost income while operations are suspended.
  • Increased Cost of Working (ICOW)
    Reimbursing additional costs to maintain business function, temporary sites, equipment, or workforce.
  • Contingent Business Interruption
    Protecting income if a key supplier, customer, or utility experiences a loss that impacts your client.
  • Denial of Access & Civil Authority
    In the event insureds cannot access their premises due to government or emergency restrictions.
  • Cyber-Triggered BI
    Bridging the gap between cyber events and financial loss, especially for service-led sectors.
  • Non-Damage BI (NDBI)
    For losses where there’s no physical damage, covering risks like strikes, regulatory shutdowns, and disease.

We support complex wordings, manuscript policies, and hybrid solutions across multiple geographies.

Industries we support with Business Interruption


We collaborate with brokers worldwide to place BI risks across high-exposure and time-critical sectors:

Business Interruption Insurance

Frequently Asked Questions

Yes - particularly for Contingent or Non-Damage BI. We can place standalone or bolt-on cover depending on client needs.

It depends on the exposure and the market appetite. We can place cover under either, or through a hybrid wording.

Most placements are 12–24 months, but we always advise basing this on realistic recovery modelling, especially for high-capex or regulated clients.

Yes. We work with brokers and clients to model realistic downtime and cash flow exposure, often with input from our analytics team.

Absolutely. We manage global programmes with local compliance, tax alignment, and coordinated wordings.

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Our insurance experts are always on hand to talk about ways we can join forces to take on the future.

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