The next step would be to review your insurance cover. Business interruption insurance generally comes into effect in these circumstances:

• Physical damage (e.g. fire or flood) to the premises causes suspended operations.
• Damage to property that is covered by the policy prevents customers or employees from accessing the business.

Since business interruption cover can differ significantly, it is important to understand the policy terms, such as exclusions, extensions, cover limits and indemnity periods. Be sure to review your policy carefully with your specialist insurance broker to ensure bespoke cover for your unique business needs.