Benefits

Tick Icon Additional increased costs of working

Covers you for the reasonable costs of resuming or maintaining normal business operations after a loss.

Tick Icon Dual wages

We’ll cover financial loss due to paying key staff wages until you can resume or maintain normal operations.

Tick Icon Loss of rent

We cover financial loss if a loss means you cannot collect rent from tenanted premises.

Tick Icon Loss of utilities

Cover if the loss is caused by an interruption of utility services, like an electricity company, of greater than 24 hours.


FMG’s Business Interruption policy covers you for financial loss or increased costs of working, if your business or farming operations have been impacted by a loss to your commercial buildings or contents.

FMG can tailor Business Interruption cover specifically to the needs of farmers, growers, and commercial businesses to maintain income and minimise the financial shortfall following a major loss to your operations. Give our team a call to discuss what the best level of cover is for you.

Business Interruption cover allows you to continue operating normally where possible and cover wages following a major loss to your business or farm. FMG Business Interruption cover is linked to a claim under your Material Damage policy, or an event that would be covered under a Material Damage policy if you owned the building.


Optional benefits

You can purchase optional benefits for even more comprehensive cover.

Natural disaster (FMG recommended) 

This extends cover to all items and benefits insured under your Material Damage and Business Interruption policies, including other Optional Benefits you’ve selected, following a loss caused by a natural disaster.


To understand which policy wording applies to you, please check your Certificate of Cover, or head online to FMG Connect to view all your policy details, including the dates of your policy period. If you're unsure, give us a call.

For more information on our most recent policy changes, effective from 1 November 2021 click here.

*This is a summary view of our policy and is subject to our specific product documentation. For full details please download the policy wording or get a free copy by calling us on 0800 366 466.

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