Skip to main content
Lesure Business Interruption Cover
Revenue & Cash Flow Continuity

Lesure Business Interruption Cover

Disasters pause your income, not your fixed expenses. Protect your cash flow and maintain operations with a tailored disruption policy.

Speak to a Lesure Broker
140+ Insurers ComparedSteadfast Network MemberSame-Day CoC in Most Cases

Who Needs Business Interruption Insurance?

A disaster does double the damage: property cover rebuilds your premises, but Business Interruption protects your survival. When revenue drops after an insured event, business interruption cover can help pay essential ongoing expenses:

A suitable policy can help protect your cash flow so you have the financial breathing room to recover and rebuild.

Payroll

Keep paying staff wages and retain your key talent.

Premises

Maintain rent and commercial lease commitments.

Finances

Cover supplier invoices and loan repayments.

Australian retail shop owner reviewing operations during unexpected business disruption

Safeguard ongoing payroll, commercial rent, and operational cash flow when disaster strikes.

Coverage Scope

What This Insurance Covers

Designed to help reduce gaps in your cover and support your business continuity.

What This Insurance Covers

Ongoing Operating Expenses

Essential overheads such as electricity, water, and rent that you must pay even while closed.

Relocation Costs

The expenses required to move to, and operate from, a temporary location to minimize downtime.

Training Costs

Financial support to train your team on how to operate replacement machinery.

Prevention of Access

Closure of your business premises due to government-ordered street closures, curfews, or emergency services blocking access.

Supplier & Customer Extensions

Financial protection if damage to a major supplier’s premises causes a negative, knock-on effect on your own business operations.

Emergency disaster recovery assessment maintaining business continuity

Protecting ongoing expenses, relocation, and revenue recovery following property loss.

100% Policy Transparency

What Isn't Covered? (Policy Exclusions)

Every policy has exclusions and limits. Your Lesure broker will walk you through the key ones in your PDS before you buy, so you know where you stand.

Standard Policy Exclusions & Boundaries

Circumstances typically requiring separate extensions or policies

  • Uncovered Property Claims: No cover if the primary physical loss isn't insured under your property policy.
  • Market & Economic Losses: Drops in sales due to economic downturns or new local competitors.
  • Pandemics & Lockdowns: Government-ordered biosecurity closures and health mandates.
  • Cyber Attacks: IT failures, hacking, or ransomware (requires separate Cyber Insurance).
  • Routine Utility Outages: Temporary power or water cuts from council maintenance.
  • Wilful & Illegal Acts: Fraud, intentional damage, or illegal business activities.

The Lesure Advantage

Why We're Different

Broker advice backed by the Steadfast network and decades of underwriting experience.

Steadfast Network Leverage

Steadfast Network Leverage

Access Steadfast policy wordings and compare options from 140+ insurers.

Bespoke, Tailored Precision

Bespoke, Tailored Precision

Purpose-built policies designed around your specific trade, contracts, and actual business risk profile.

Fast Claims Support

Fast Claims Support

End-to-end claims advocacy. When an incident occurs, we handle the entire process while you focus on your business.

Transparency & Bilingual Support

Transparency & Bilingual Support

Clear policy reviews in English or Vietnamese, with the key terms and exclusions explained before you buy.

Tailored Business Advice

Every business is unique. Exclusions, policy limits, and indemnity periods vary heavily depending on your industry. Speak directly with a Lesure insurance broker today to review your specific risks and find cover that fits.

Common Inquiries

Frequently Asked Questions

No, Business Interruption (BI) insurance is not legally mandatory in Australia. However, while it is not enforced by law like WorkCover (Workers' Compensation), it is considered highly essential by risk advisors. Without it, many businesses lack the financial cash flow to survive the months spent rebuilding after a major disaster.
Generally, no. In the Australian insurance market, Business Interruption is rarely sold on its own. It is typically packaged as an optional or integrated cover section within a broader Business Insurance Pack (Business Pack), alongside Property/Contents and Public Liability options.
The Indemnity Period is the maximum length of time the insurance company will continue to pay for your lost income and ongoing expenses while your business recovers. Standard options are usually 12, 24, or 36 months. Tip: When choosing, don’t just think about rebuilding the physical walls. Consider how long it takes in Australia to clear debris, obtain local council approvals/permits, import specialty machinery, and fully win back your customer base. A 24-month period is often highly recommended for physical shopfronts.
These two covers protect completely different sides of a business risk: Public Liability protects you if your business causes injury or property damage to a third party (like a customer slipping on your floor). Business Interruption protects your own business's financial health (lost profit, rent, wages) when an external catastrophic event forces you to stop trading.
Standard Business Interruption policies in Australia generally exclude losses arising from highly infectious diseases or global pandemics that lead to widespread, government-mandated lockdowns. If pandemic cover is a specific concern, you must discuss specialized niche policies with your broker.
The insurer will look closely at your past financial records—typically your business tax returns, profit and loss (P&L) statements, and BAS lodgements from the previous 12 to 24 months. The payout is designed to restore your business to the financial position it would have been in had the disaster never occurred, factoring in normal growth trends or seasonal spikes.
Lesure Insurance - Lesure Business Interruption Cover policy review and quote
Protect What Matters

Ready to Protect Your Cash Flow?

Disasters halt your revenue, but not your fixed expenses. Maintain payroll, pay commercial rent, and preserve your operating profit with Lesure.

Call: (03) 7303 7504