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Business interruption insurance, for the income you lose when operations stop.

Business interruption coverage helps replace lost income and pay continuing expenses when a covered event, like a fire, forces your business to close or scale back. It is one of the most overlooked parts of a commercial program, and the part owners most often wish they had sized correctly.

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Business interruption, sometimes called business income coverage, generally pays for lost net income and ongoing fixed costs during the time it takes to restore operations after a covered physical loss. The trigger, the waiting period, and the limit all matter, and they are worth reviewing against how your business actually earns.

What business interruption addresses

When a covered property loss shuts you down, the building damage is only part of the cost. Payroll, rent, loan payments, and lost profit continue. Business income coverage is designed to bridge that gap during the restoration period.

Extra expense coverage often sits alongside it, helping pay the added costs of staying open or reopening faster, such as temporary space or expedited equipment.

Where businesses get it wrong

The most common mistakes are a limit set too low for the real recovery time, a waiting period that is misunderstood, and assuming any shutdown is covered. Coverage generally follows a covered physical loss, so closures from other causes may not trigger it.

Businesses that depend on a single location, specialized equipment, or a key supplier are especially exposed, and dependent-property options may be worth reviewing.

When it is worth a review

Review your business income coverage when revenue grows, you add a location or major equipment, your recovery time would realistically be long, or your lease or lender requires it. The goal is a limit and period that match how long you would actually take to recover.

Frequently asked

Common questions.

Does business interruption cover any shutdown?
Generally it responds to income loss following a covered physical loss, such as a fire. Closures from other causes may not be covered, so it is worth confirming the trigger against your policy.
How much business income coverage do I need?
Enough to cover lost profit and continuing expenses for the realistic time to restore operations. Many businesses underestimate that period, so it is worth working through your actual recovery timeline.
What is extra expense coverage?
Extra expense helps pay the added costs of keeping the business running or reopening faster after a loss, such as temporary space. It often pairs with business income, which is worth reviewing together.
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We will walk through your coverage, requirements, and the gaps, then tell you straight where you stand. Educational, not a quote.

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We size the limit to your real recovery time
We review the waiting period and trigger
We check dependent-property and extra expense options
You get a clear read, no obligation
Related resources

Keep going.

Coverage

Commercial Property

The physical loss that triggers it.

Coverage

Business Owners Policy

Where business income often sits.

Coverage

Commercial Umbrella

For higher overall limits.

Resource

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Check your limits and recovery period.
Independent and business-first

Business interruption insurance, for the income you lose when operations stop.

Tell us what you are dealing with and we will give you a clear, no-obligation read and the right next step.

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