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  • Business Owner
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What Business Owners Need to Know About Business Interruption Insurance

What is Business Interruption Insurance? 

Business Interruption Insurance is a form of coverage that takes care of the areas other conventional insurance policies cannot. Also known as Extra Expense insurance, it covers the loss of income that businesses experience when they must close down temporarily due to unforeseen circumstances. It offers an additional layer of protection and includes more than your basic property insurance policy.

What Does Business Interruption Insurance Cover?

Most business interruption insurance policies will cover the following three main things.

  • The profits your business would have earned if the incident had not occurred.
  • Any ordinary operating expenses you must pay out although your business is temporarily shut down. These expenses can include wages for your employees or rent for your office space.
  • Moving expenses if the damage was so severe that you had to relocation to a new location or a temporary location. Doing so could include both the cost of moving and rent cost if needed.

Additional areas that Business Interruption Insurance may cover include the following,


All businesses still need to pay their taxes even if they are temporarily shut down. This coverage can help ensure that you continue to pay your business taxes on time even if a disaster strikes.

Loan Payments

Claims-Made and Occurrence Policies: What’s the difference, and what should your business have?