- 57 Ladymead, Guildford, Surrey, England
- support@fmdinsltd.com
Helping your business recover after a loss
Is your Business Interruption insurance sufficient for your business needs?
For many organisations, accurately forecasting the financial consequences of a major interruption is challenging. Lost revenue, ongoing expenses, and extended recovery periods can place significant strain on even well-capitalised businesses.
In many cases, the financial consequences of operational disruption are more damaging than the physical loss itself. When a business suffers damage, two outcomes are almost inevitable:
Day-to-day operating costs increase
The ability to generate revenue is reduced
This is where Business Interruption insurance plays a critical role. It helps alleviate financial pressure while your business focuses on stabilisation, recovery, and return to normal operations.
Underinsurance is one of the most common and costly issues in Business Interruption claims. If your sums insured are understated, your policy may not respond as intended. We use specialist tools and methodologies to ensure your sums insured accurately reflect your exposure and recovery needs.
Many businesses insure for an indemnity period of just 12 months, often underestimating how long full recovery can take following a major loss. Based on our experience, we typically recommend an indemnity period of at least 24 months, depending on the complexity of your operations and supply chain.
Our specialist advisers will review your existing arrangements in detail, assessing policy structure, limits, indemnity periods, and applicable extensions. We work with you to ensure your cover aligns with your operational realities and protects what matters most to your business.
Business Interruption insurance indemnifies your loss of income and covers fixed operating costs, helping ensure continuity during the recovery period. A key consideration is the indemnity period—the agreed length of time your insurer will continue to provide financial support following a loss.
If the indemnity period is too short, your business may not have sufficient time to fully recover, potentially leaving you exposed at a critical point.
Business Interruption policies can also be enhanced with a range of extensions, tailored to your specific risk profile. Careful consideration should be given to selecting the extensions most relevant to your operations to ensure comprehensive protection.
Whether you operate from a single location or manage complex, multi-site or international operations, our specialist team has the expertise to ensure your Business Interruption cover is robust, relevant, and fit for purpose.
Fairmead is a leading specialist in providing bespoke insurance, risk management, and financial solutions to businesses across diverse industries. With a strong focus on delivering innovative, tailored services, Fairmead combines deep sector expertise with global market access to protect clients against complex risks and support long-term business growth..
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