Business Interruption Insurance

Covering lost income if your business can’t operate due to an insured event

Reimburses ongoing expenses, lost profit, or temporary relocation costs while your business recovers (e.g., after fire or storm damage).

Key Benefits

Helps keep the business afloat during rebuilding or repairs.

Rent, wages, and other overheads can be covered.

Physical damage from an insured peril (e.g., fire) that prevents normal operations.

Pandemic-related disruptions are generally excluded unless specifically endorsed.

Coverage is based on your business's projected income and expenses. Insurers use financial records to determine the sum insured.

Provide financial statements, tax returns, and records of expenses. Insurers may require proof of loss and business activity.

Exclusions vary, but some policies exclude businesses with high-risk operations or those in certain industries. Check your policy for details.

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