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Business coverage

Business Interruption Insurance

Business interruption coverage replaces the income you lose when a covered disaster forces you to close or scale back — think a fire or burst pipe that shuts your doors for weeks. It keeps paying rent, payroll, and loan obligations while you rebuild, which is often the difference between reopening and never coming back.

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Who this coverage is for

Business interruption insurance is for owners who would lose income if a covered disaster forced them to close temporarily. It is especially valuable for businesses with a physical location, steady revenue, and ongoing bills that do not pause when the doors do.

What it can help protect

This coverage helps keep your finances steady while you recover from a covered shutdown:

  • Lost income — helps replace the revenue you would have earned during the closure.
  • Ongoing expenses — helps cover fixed costs like rent, loan payments, and payroll that continue while you are closed.
  • Relocation costs — may help pay to temporarily operate from another location.
  • Recovery period — coverage generally lasts until your business is back up and running, up to policy limits.
  • Trigger events — it usually kicks in when a covered property loss, like a fire, causes the interruption.
Regularly misunderstood coverages
Commercial Property vs. Business Interruption

Repairing property vs. replacing lost income.

Key choices and underwriting factors

A licensed review will usually focus on revenue documentation and seasonality, restoration-time expectations, and key dependencies and backup plans.

Common Questions