Business interruption cover calculator

Business interruption insurance replaces the gross profit you lose after an insured event stops you trading. Enter your figures below to estimate the sum insured — and the indemnity period most firms set far too short. This is a guide, not a quotation; a Chartered broker should confirm the basis.

Your figures

Use last year's accounts, or a forecast if you're growing.

Annual turnover {{ turnoverFmt }}

£50k£20m

Uninsured working expenses {{ uwePctFmt }}

Costs that stop if you stop trading — typically purchases, carriage, packaging. Wages and rent usually continue, so exclude them.

0%70% of turnover

Indemnity period {{ periodFmt }}

How long full recovery realistically takes after a serious loss — including rebuild, refit and winning customers back. 12 months is almost always too short.

Estimated sum insured

Gross profit sum insured over a {{ periodFmt }} indemnity period.

Annual gross profit{{ grossProfitFmt }}

Gross profit rate{{ gpRateFmt }}

Indemnity multiplier×{{ multiplierFmt }}

Broker note. If your indemnity period is shorter than your true recovery time, cover runs out mid-claim. If your declared gross profit is understated, the average clause can cut every payout proportionately. We test both for you.

Have Decello check your figures →

This calculator provides a simplified estimate for guidance only and does not constitute advice or a quotation. Gross profit for insurance differs from the accounting definition; declared values should be agreed with your broker and insurer.

Understand the numbers

Gross profit basis

Why the insurance definition of gross profit isn't the one in your accounts.

The average clause

How under-declaring your sum insured quietly reduces every claim payment.

Choosing a period

Why 24 or 36 months is the right indemnity period for most firms.