Business Interruption Insurance

Keep Your Business Moving When the Unexpected Happens

A fire, storm, equipment failure, or other covered event can temporarily interrupt your business and put your income at risk.

Business interruption insurance can help eligible businesses manage certain financial losses when a covered event forces them to temporarily suspend or reduce normal operations.

At SecureWay Insurance, we help business owners explore coverage options designed to help protect income and support recovery when unexpected interruptions occur.

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Coverage, limits, exclusions, deductibles, waiting periods, and eligibility vary by insurer, policy, business type, location, and individual circumstances.

WHAT IS BUSINESS INTERRUPTION INSURANCE?

Business interruption insurance, sometimes called business income insurance, is designed to help a business recover from certain financial losses resulting from a covered interruption.

For example, if a covered fire damages your business premises and you cannot operate normally while repairs are being completed, eligible business interruption coverage may help replace certain lost income and cover certain continuing expenses.

It is generally intended to work alongside commercial property insurance rather than replace it.

WHAT CAN BUSINESS INTERRUPTION INSURANCE HELP COVER?

Lost Business Income

A covered interruption can prevent you from serving customers and generating your normal revenue.

Depending on your policy, business income coverage may help replace certain income you would have earned during the covered interruption.

Continuing Operating Expenses

Some expenses may continue even when your business temporarily stops operating.

Depending on the policy, coverage may help with eligible continuing expenses such as:

Payroll
Rent or lease payments
Utilities
Loan payments
Taxes
Other eligible operating expenses

Coverage depends on the policy’s terms and applicable limits.

Extra Expenses

You may need to spend additional money to keep your business operating after a covered loss.

Extra expense coverage may help with eligible costs such as:

Temporary relocation
Equipment rental
Temporary facilities
Expedited repairs
Other necessary expenses

Temporary Relocation

If your normal premises cannot be used because of a covered loss, you may need to operate from another location.

Depending on your policy, certain eligible expenses associated with temporarily relocating your business may be covered.

Civil Authority Coverage

In certain circumstances, government authorities may restrict access to your business premises following a covered event.

Depending on your policy, coverage may apply to certain resulting business income losses when the applicable requirements are satisfied.

WHY BUSINESS INTERRUPTION COVERAGE MATTERS

Your building and equipment aren’t the only things at risk after a major loss.

A serious interruption can affect:

Revenue → Payroll → Bills → Customers → Business Operations

Even if your property can eventually be repaired or replaced, your business may still experience financial pressure while you’re unable to operate normally.

Business interruption coverage can help eligible businesses manage certain financial consequences of a covered interruption.

BUSINESSES THAT MAY BENEFIT FROM THIS COVERAGE

Retail Businesses

A temporary closure can affect sales, employees, inventory, and customer relationships.

Restaurants

Restaurants depend heavily on their physical location and equipment to serve customers.

Manufacturers

A major interruption to production can affect revenue, employees, orders, and supply commitments.

Professional Offices

Law firms, accounting firms, consultants, and other professional businesses may experience significant income disruption when they cannot operate from their normal location.

Hotels & Hospitality Businesses

A covered loss that makes rooms or facilities unavailable can have a substantial effect on revenue.

Warehouses & Distribution Businesses

A damaged facility may disrupt storage, fulfillment, deliveries, and customer orders.

WHAT EVENTS CAN TRIGGER BUSINESS INTERRUPTION COVERAGE?

Business interruption coverage generally responds when the interruption results from a covered cause of loss under the applicable policy.

Depending on the policy, the underlying covered event may include:

Fire
Certain storms
Certain wind damage
Theft
Vandalism
Other covered property losses

Business interruption coverage does not automatically apply to every type of interruption. The underlying cause of loss must meet the policy’s coverage requirements.

HOW MUCH BUSINESS INTERRUPTION INSURANCE DO YOU NEED?

Choosing an appropriate limit requires more than simply looking at your current monthly revenue.

Review Your Revenue

Consider your expected income during the period in which your business could potentially be affected by a covered loss.

Calculate Continuing Expenses

Identify expenses that would continue even if your business temporarily stopped operating.

Consider Your Recovery Time

Think about how long it could realistically take to repair or replace your property and resume normal operations.

Consider Your Supply Chain

Some businesses may also be exposed to interruptions involving suppliers or other essential business relationships.

Review Your Policy Period

The time period during which eligible business income losses may be covered is important when determining appropriate protection.

BUSINESS INTERRUPTION VS. COMMERCIAL PROPERTY INSURANCE

These coverages serve different purposes.

Commercial Property Insurance generally focuses on eligible physical property, such as your building, equipment, furniture, and inventory.

Business Interruption Insurance can help address certain eligible financial losses resulting from a covered interruption to business operations.

For many businesses, the two coverages can work together as part of a broader commercial insurance program.

Coverage depends on the specific policies purchased.

WHAT CAN AFFECT THE COST OF BUSINESS INTERRUPTION INSURANCE?

Premiums vary according to the characteristics and risks of each business.

Factors may include:

Business type
Annual revenue
Location
Property value
Industry
Number of employees
Operating expenses
Claims history
Coverage limit
Policy period
Selected coverage options
Insurance company underwriting requirements

Requesting a personalized quote is the best way to determine your actual premium.

HOW TO PREPARE YOUR BUSINESS FOR AN INTERRUPTION

Insurance is only one part of business continuity planning.

Consider keeping:

Updated financial records
A current inventory of business property
Emergency contact information
Regular data backups
Alternative supplier information
Employee communication plans
Business continuity procedures
Disaster recovery plans
Current insurance information

Good preparation can make it easier to respond when an unexpected event occurs.

WHY CHOOSE SECUREWAY INSURANCE?

Business-Focused Guidance

We help you understand business interruption insurance and how it may fit into your broader commercial insurance program.

Coverage Designed Around Your Business

Every business has different revenue, expenses, operations, and risks. We help you explore options based on your circumstances.

Clear, Straightforward Service

Insurance can be complicated. We aim to explain your options in language that’s easy to understand.

Protection Beyond Physical Property

Your building and equipment are important, but your income matters too. Business interruption coverage may provide another layer of financial protection following certain covered losses.

HOW TO GET STARTED

01 — Tell Us About Your Business

Share information about your operations, revenue, property, expenses, and insurance needs.

02 — Review Your Potential Risks

Consider what could happen financially if a covered event temporarily stopped or reduced your normal operations.

03 — Explore Coverage Options

Review available limits, policy periods, deductibles, exclusions, and other conditions.

04 — Select Your Protection

Choose coverage that aligns with your business circumstances and potential interruption exposure.

05 — Stay Prepared

Keep your financial records and business information updated so you can respond effectively if an interruption occurs.

FREQUENTLY ASKED QUESTIONS

What is business interruption insurance?

Business interruption insurance is designed to help eligible businesses manage certain income losses and additional expenses resulting from a covered interruption.

Is business interruption insurance included with commercial property insurance?

It may be included, added by endorsement, or offered as part of a commercial insurance package, depending on the insurer and policy.

Does business interruption insurance cover lost income?

It may cover certain eligible lost business income resulting from a covered interruption, subject to the policy’s terms, limits, and conditions.

Does it cover employee wages?

Depending on the policy, certain payroll expenses may be included as eligible continuing expenses.

Does business interruption insurance cover rent?

Certain continuing expenses, including eligible rent or lease expenses, may be covered depending on the policy.

Does it cover temporary relocation?

Some policies may provide coverage for eligible extra expenses associated with temporarily relocating operations following a covered loss.

Does business interruption insurance cover every business closure?

No. Coverage generally requires the interruption to result from a covered cause of loss and satisfy the policy’s other requirements.

Does it cover losses caused by a pandemic?

Coverage for pandemics, viruses, and similar events depends on the specific policy language and applicable exclusions. Businesses should review their policy carefully.

How can I get a business interruption insurance quote?

Click Get a Quote and provide information about your business, revenue, property, operations, and coverage needs. Available coverage and pricing depend on your circumstances and applicable insurer guidelines.

PROTECT YOUR BUSINESS BEYOND THE BRICK AND MORTAR

Your Property Matters. Your Income Matters Too.

An unexpected covered loss shouldn’t leave your business without a plan.

SecureWay Insurance can help you explore business interruption insurance options designed to help protect eligible income and support your recovery when covered events disrupt your operations.

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