Protecting Your Business

Business Income Insurance

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Make sure your business is covered for a loss of earnings if damage or disaster strikes.

Business Income Insurance at a glance

Cover for expenses:

Cover for ongoing costs and expenses should you need to move to a different premises or hire more staff

Cover for utilities:

Cover if a disrupted utilities supply prevents your business operating

Disability cover:

Protection against a loss of income following a death or permanently disability to an owner, partner or director

Lottery winner in the ranks?

Cover for costs incurred following an employee lottery win

You’re not covered if:

Your business is wound up, permanently discontinued or carried on by a liquidator

What’s not covered:

Erasure or distortion of data unless caused by damage to computer equipment

Why choose Business Income Insurance?

From natural disasters to criminal damage, a crisis can come in many forms. But if it does, your business needs to be prepared for it. We’ve partnered with Aviva to offer cover that’s designed to help businesses during periods of loss of income – helping you to carry on trading in the face of an unexpected event.

What else is included?

Supplier issue? Aviva will cover any loss of trade if damage to your suppliers’ premises has any nasty knock-on effects

24/7 legal and tax helpline: included as standard, with experts on hand when you need them

Protection against damage in transit: Cover includes any impact on your business’ income following damage to goods in transit

Important information

Full policy wording, summaries, conditions and exclusions can be found here:

Business Insurance Policy Wording and Summary

Aviva’s business policies are sold, administered and underwritten by Aviva Insurance Limited.

HSBC UK Bank plc, 1 Centenary Square, Birmingham, B1 1HQ, United Kingdom, 9928412 acts as an introducer to Aviva Insurance Limited.

Aviva Insurance Limited. Registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 202153.

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