Business income coverage for professional firms.

What it covers

Business income responds when a covered event, fire, water damage, a covered equipment failure, damages your premises or property and forces operations to pause. It replaces the revenue you would have earned and helps cover continuing costs like rent and payroll while you recover. For an office-based firm, it protects the income side of a property loss.

The covered-cause point

The key limit to understand: business income is tied to covered physical damage, not any revenue loss. A lost client or a market downturn is not a business income claim. It responds when a covered property event interrupts the business, so it pairs with property coverage and a business owners policy.

Remote and dependency considerations

For firms that are remote or heavily dependent on systems and equipment, the property and dependency picture is different from a traditional office, and business income has to be matched to how the firm actually operates and what a realistic interruption would look like. We size it accordingly.