Business Interruption Calculator

Calculate the level of cover required and the indemnity period

This calculator uses key information about your clients' business to recommend the level of Business Interruption cover required, as well as the indemnity period, should they suffer a major loss.

It may help to have the following information to hand:

  • Your clients’ latest financial information. For example, if they have a profit/loss statement that will be useful.
  • Knowledge of your clients’ current position, such as closing stock/opening stock etc.

You can also refer to our supporting documentation below.

You may need to enable pop-ups to view the calculator.

The content of this application is made available to you, subject to your compliance with the terms of the current agreement you have with Aviva. Further, the outputs provided by the Business Interruption Calculator are provided to you on an as-is basis without any warranties or indemnities. We do not accept responsibility and will not be liable for any inaccuracy or incompleteness of information. You should always satisfy yourself that any action you take or advise others to take meets your or their needs.

By selecting the 'Open Business Interruption Calculator' button, you'll be agreeing to the above.

Please note that the Business Interruption Calculator is provided by the LMI Group, and its use is also subject to their terms and conditions and privacy policy, links to which can be found on the Business Interruption Calculator page.

Benefits for your client

As a thank you for using the Business Interruption Calculator, we provide the following enhanced cover at no extra cost, to safeguard your clients against being underinsured:

12 months additional Indemnity period

With a proportionate increase in the sum insured, over and above those recommended by the calculator, to allow for unexpected delays.

150% enhanced Declaration Linked Protection

to protect against unforeseen business trends (for declaration linked policies only).

Removal of Average provision

from the Business Interruption section of the policy.

Please note these benefits apply to Mid-Market businesses who have a turnover of up to £25m annually, require an indemnity period of 48 months or less, and have traded through our regional underwriting teams (excluding Property Owners and Digitally Traded Business).

In order to receive the enhanced level of Business Interruption cover, the Business Interruption Calculator must be completed with all information submitted as 'fair presentation of risk', and the summary output provided as part of the application - this must be completed and submitted annually to maintain the enhanced cover.

Supporting documents

To support conversations with your clients, we've developed the following factsheets on some key considerations around selecting the right level of Business Interruption cover for their business.