Business Insurance

Business Interruption Insurance

Replaces lost income and ongoing expenses when a covered disaster forces your business to close temporarily — as vital to survival as property coverage.

Do you have the right Business Interruption insurance?

What would you do if you couldn’t conduct business for an extended period of time? Would you be able to survive if damage occurred and you were out of business for several weeks or months?

The answer for most small business owners is no.

Business interruption insurance can be as vital to your survival as a business owner as fire, flood, or any other type of business insurance. Most people would never consider opening a business without buying insurance to cover damage due to these types of risks.

Unfortunately, too many small business owners fail to think about how they would manage if a fire or other disaster damaged their business premises to the point where they were temporarily unable to conduct business.

Business interruption insurance covers you for lost income if your company has to vacate the premises due to disaster-related damage that is covered under your property insurance policy, such as a fire.

It also covers the revenue you would have earned, based on your financial records, had the disaster not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

How much is Business Interruption insurance?

The price of the business interruption policy is related to the risk of a fire or other disaster damaging your premises.

All other things being equal, the price would probably be higher for a restaurant than a real estate agency for example because of the greater risk of fire.

Also, a real estate agency can more easily operate out of another location.

Call our office today to discuss your options, or head over to our quotes page to get the process started!

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Frequently asked questions

What does business interruption insurance cover?
It covers lost income if your company has to vacate the premises due to disaster-related damage covered under your property policy, such as a fire. It also covers the revenue you would have earned based on your financial records, plus continuing operating expenses like electricity while activities are halted.
How is the price determined?
The cost relates to the risk of a fire or other disaster damaging your premises. All else equal, a restaurant would likely pay more than a real estate agency because of greater fire risk — and because an agency can more easily operate from another location.
Do small businesses really need it?
Many small business owners would not survive being closed for several weeks or months. Business interruption coverage can be as vital to survival as fire or flood insurance, yet it's frequently overlooked when owners think about protecting their business.

Related coverage

Commercial Property Insurance

Protects your building and its contents — and the lost income that follows damage. Covering only the structure often isn't enough.

Business Insurance

A tailored commercial package built around your property, liability, and casualty needs — whether you're a retailer, contractor, or professional office.

Ready to talk it through?

Tell us a little about what you need and one of our agents will reach out. We'll shop your coverage and come back with real options.

Request a Quote (833) 414-3040