A fire, storm, or major equipment failure can force you to close for weeks or months. Business interruption insurance covers your lost revenue and ongoing expenses so you can survive the downtime and reopen.
Business interruption insurance replaces your income and pays ongoing expenses when a covered event forces your business to temporarily shut down.
Replaces the net income your business would have earned during the closure period, based on your financial records.
Covers ongoing costs that don't stop when you close — rent, loan payments, utilities, and employee wages.
Pays for the cost of operating from a temporary location while your primary space is being repaired.
Covers additional costs to minimize the shutdown period — expedited repairs, temporary equipment rental, overtime labor.
Some policies continue paying after you reopen to cover the ramp-up period as customers return.
Any business that depends on a physical location to generate revenue. If closing your doors for 30 days would threaten your survival, you need this coverage.
Often yes — many Business Owners Policies include basic business income coverage. However, the default limits may not be enough. We review your financials to make sure you're properly covered.
Most policies cover you for up to 12 months after the loss, though the exact restoration period depends on your policy terms.
Standard policies generally require physical damage to your property. Some newer policies offer limited coverage for government-ordered shutdowns. We'll help you understand your specific policy terms.
Based on your historical revenue, operating expenses, and the estimated time to restore operations. We use your financial statements to set appropriate limits.
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