Business Interruption Insurance

Protect the Income and the Future You’ve Worked to Secure

A disaster might stop your operations, but your bills and your vision don’t have to pause with it. You deserve a financial bridge that covers your payroll and expenses while you rebuild, so you can focus on a faster recovery instead of worrying about how to keep your doors open.

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What is Business Interruption Insurance?

Financial Safety Net

Business Interruption Insurance (also called Business Income Insurance) replaces lost income and covers ongoing expenses when your business cannot operate due to a covered event like fire, natural disaster, or other disruptions.

Temporary Protection

This coverage kicks in immediately after a covered loss and continues until your business can resume normal operations, typically covering 12-24 months of interruption.

Beyond Property Damage

While property insurance covers physical damage, Business Interruption Insurance covers the financial consequences – the income you lose and expenses you continue to pay while closed.

What Does Business Interruption Insurance Cover?

Lost Income

Net income you would have earned
Continuing normal operating expenses
Mortgage, rent, or lease payments
Loan payments and debt service
Tax payments and payroll for key employees

Extra Expenses

Temporary relocation costs
Leasing temporary equipment
Additional advertising to regain customers
Overtime wages to catch up
Expedited shipping for materials

Additional Coverages

Civil authority closures (government orders)
Utility service interruptions
Supplier/vendor disruptions
Extended period for rebuilding
Contingent business interruption

How Business Interruption Coverage Works

Immediate Aftermath

Covered event occurs. You file a claim immediately. Emergency funds may be available within 48-72 hours for critical expenses.

Regular Payments

Monthly payments begin covering lost income and ongoing expenses. Support for temporary relocation if needed. Business continuity planning supported.

Claims Assessment

Insurance adjuster assesses damage and business impact. Documentation of lost income and expenses begins. Temporary expense coverage activated.

Sustained Support

Coverage continues for the policy period (typically 12-24 months). Payments help retain key staff and maintain vendor relationships. Support for reopening marketing efforts.