Lost income
Address qualifying income the business would have earned during a covered suspension.
Business income protection
Business Interruption Insurance
Property damage can interrupt revenue long after the immediate loss. Business interruption insurance—often called business income coverage—may help a business manage lost income and eligible continuing expenses after a covered property event.
Coverage availability, eligibility, and terms vary by carrier and state. A quote request does not bind coverage.
Continuing expenses
Account for eligible operating costs that continue while operations are restored.
Extra expense
Consider costs that may help reduce downtime or keep the business operating elsewhere.
How business interruption coverage works
Business income coverage is commonly attached to a commercial property or business owners policy. Coverage generally requires direct physical loss or damage from a covered cause and is subject to a waiting period, restoration period, limits, and policy conditions.
What may be included
The exact calculation and eligible expenses depend on the policy and financial records.
- Net income that would have been earned
- Normal operating expenses that continue
- Payroll when included by the policy
- Extra expense to avoid or reduce a suspension
- Rental value for qualifying property owners
Choosing a limit and restoration period
Estimating a realistic recovery timeline is essential. Rebuilding, permits, equipment lead times, supply constraints, and customer return patterns can all extend the financial impact beyond the physical repair.
Common questions
Business Interruption Insurance FAQ
Is business interruption insurance sold by itself?
It is commonly included in or added to a commercial property or business owners policy rather than purchased as a completely separate policy.
Does business interruption insurance cover every shutdown?
No. Coverage usually depends on a covered cause of physical loss and the policy's terms. Utility interruption, communicable disease, flood, and other events may be excluded or require special coverage.
How long does business income coverage last?
Coverage applies during the policy's defined period of restoration and may be subject to waiting periods, time limits, or dollar limits.
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