Business Property & Interruption Insurance

Fortuna Insurance helps you protect two things that matter most, and that's your assets and your ability to earn so that a setback doesn’t stop your goals.

Key takeaways

• Two parts work together: Property insurance fixes what’s damaged; Business Interruption (BI) covers lost turnover and extra costs so you can keep trading.

• Cash flow is king: Wages, rent, supplier invoices, and loans still need to be paid after a fire, flood, or storm. BI helps cover them.

• Know the trigger: BI usually starts when there is physical damage that leads to an interruption 

• Fit to your business: We tailor cover to how you operate in regards to your people, your processes, your seasonality so that your protection matches reality.

• Simple guidance: We help you choose what you need to properly protect your business and property.

The real risk isn’t only damage, it’s downtime

A fire, flood, or storm can harm buildings, stock, and equipment. Property insurance helps fix those.

But the real pain often comes from lost income and bills that don’t stop.

That’s where Business Interruption Insurance is powerful.

It covers lost turnover and pays extra costs you spend to keep trading like a temporary site, overtime, or fast freight.

Protect the rhythm of your business

Your team, your rent, your supplier terms are the heartbeat of your business.

If income pauses, the rhythm breaks.

BI helps keep cash flowing so you can pay your people, serve your customers, and hold your spot in the market while repairs happen.

Choose a time frame that matches reality and without guessing

Recovery takes as long as it takes.

Approvals, parts, refits, restocking, re-opening need to be done and all of it adds up.

We help you select a realistic period for BI that fits your operations, supply chains, and growth plans so that support lasts as long as you need it, without guesswork.

Who benefits most from this insurance?

• Shops, cafés, and clinics with steady wages and rent.

• Trades and manufacturers with key machines or long lead-time parts.

• Warehouses, logistics, and online stores that rely on stock moving.

• Any business with fixed costs that keep going when sales stop.

An example of how this Insurance works for your business

Linda runs a busy office supplies store with eight staff.

But then the unexpected happens.

A fire that started next door spreads to her shop.

Her stock and IT are ruined.

This fire means that she can’t open for weeks and that the bills keep coming.

This could have been a complete disaster for Linda and her business.

But because Linda set up Business Property and Interruption Insurance with a period that fits her business, she receives payments that replace lost income.

She keeps paying her hard working team, and rents a temporary site.

Her loyal customers stick with her.

When repairs of her shop finish, she reopens strong.

She planned ahead and got the correct Insurance and it made all the difference.

Do you want to be prepared like Linda?

Next steps

You work hard to grow your business. Let us help you protect its momentum.

Chat with Fortuna Insurance today on 1300 566 877 or info@fortunainsurance.com.au for a fast, friendly check of your property and BI settings so that your cover matches reality.

 Disclaimer: This blog is intended for general information purposes only. It does not take into account your specific needs or circumstances. For personalised advice, please speak directly to one of our qualified insurance professionals at Fortuna Insurance.