Business Interruption Insurance

The fire is insured. Is the year after it?

Property insurance rebuilds the premises; business interruption rebuilds the revenue. It replaces lost income and covers continuing expenses — rent, payroll, loan payments — while a covered loss keeps you closed or slowed, so the balance sheet survives the recovery.

We size interruption coverage to your real numbers: gross profit, recovery timelines, and the fixed costs that don't pause when revenue does.

What's covered

Lost net income during the restoration period
Continuing expenses: rent, payroll, utilities, loan payments
Extra expenses to speed reopening or operate temporarily
Extended indemnity while revenue climbs back after reopening
Contingent interruption from a key supplier's loss, where included
Utility and service interruption extensions

Good to know

Frequently asked questions

How long should my indemnity period be?: Long enough to rebuild and recover the revenue — for many businesses that's 12 to 24 months once permits, construction, and customer win-back are counted honestly. Underestimating this is the most common interruption mistake.
Does business interruption cover a pandemic or lockdown?: Standard coverage requires physical damage to trigger — most pandemic closures weren't covered, as the courts largely confirmed. We'll be clear about what the wording does and doesn't do.
Is business interruption expensive?: It typically rides on your property policy at a modest addition — small relative to the exposure. For most businesses it's the difference between an insured event and a closure.

Insurer partners

Insurers we compare for business interruption insurance

We shop these partners to find the right coverage and price for you.

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What's covered

Lost net income during the restoration period

Continuing expenses: rent, payroll, utilities, loan payments

Extra expenses to speed reopening or operate temporarily

Extended indemnity while revenue climbs back after reopening

Contingent interruption from a key supplier's loss, where included

Utility and service interruption extensions

Frequently asked questions

How long should my indemnity period be?

Long enough to rebuild and recover the revenue — for many businesses that's 12 to 24 months once permits, construction, and customer win-back are counted honestly. Underestimating this is the most common interruption mistake.

Does business interruption cover a pandemic or lockdown?

Standard coverage requires physical damage to trigger — most pandemic closures weren't covered, as the courts largely confirmed. We'll be clear about what the wording does and doesn't do.

Is business interruption expensive?

It typically rides on your property policy at a modest addition — small relative to the exposure. For most businesses it's the difference between an insured event and a closure.