Business interruption cover can help a small business recover lost income and certain additional costs if an insured event, such as a fire or flood, forces it to pause or reduce trading. Policies usually apply limits and an indemnity period, so check how much cover is available and how long payments may continue. Some policies may offer extensions for events such as equipment breakdown or denial of access, but these are not automatically included. Keep accurate financial records and ask an FCA-authorised insurer or broker to explain whether the cover suits your business and risks.