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Business interruption insurance - Wikipedia, the free encyclopedia

Business interruption insurance (also known as business income insurance) covers the loss of income that a business suffers after a disaster while its facility is  ...

Do I need business interruption insurance? | III

Business interruption insurance can be as vital to your survival as a business as fire insurance. Most people would never consider opening a business without ...

Business Interruption Insurance: What It Will -- and Won't -- Cover

Nov 16, 2012 ... But businesses may want to reconsider interruption insurance given the rising number of natural disasters. The annual total has increased from ...

BUSINESS INTERRUPTION INSURANCE

BUSINESS INTERRUPTION INSURANCE. I. What is Business Interruption Coverage? Business interruption coverage is a tightly constructed part of broader  ...

Business Interruption Insurance Definition | Investopedia

Business interruption insurance is not sold as a separate policy, but is either added to a property/casualty policy or included in a comprehensive package policy.

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Business Interruption Insurance | Find Business Continuity ...

Business interruption insurance keeps business doors open when disruptions occur. Learn about business continuity strategies with Nationwide and have ...

Business Interruption Insurance - Business Insurance - About.com

Business Interruption Insurance is coverage that protects your business from the loss of income from a loss of business location.

business interruption coverage - Insurance Glossary - IRMI.com

business interruption coverage - Business income coverage. ... Glossary of Insurance & Risk Management Terms > Terms > B > business interruption coverage ...

When Does Business Interruption Insurance Coverage Stop?

Most commercial property insurance policies provide for both property damage ... Some policies also include extended business interruption coverage, which ...

Business Interruption Insurance: 8 Terms to Help You Understand ...

Nov 28, 2012 ... Understanding your policy's terms can be essential to recouping business interruption loses.

What's in a Claim? Business Interruption Insurance Explained ...

What is protecting your business in the event of a disaster? You probably arranged insurance to cover property damage, but have you considered the losses ...

RMIIA: Business Interruption Insurance - Rocky Mountain Insurance ...

Business Interruption Insurance. If a catastrophe, such as a fire, causes your place of business to be temporarily unusable, your business may have to relocate ...

Business Interruption Insurance


What would happen if you had to vacate your premises due to damage from a fire, flood, hurricane or other natural or man-made disaster? How would you continue to operate your business and pay your bills? By purchasing business interruption insurance, you can protect your business from loss of income and continue to pay day-to-day operating expenses. When looking for a policy, which is typically part of your property insurance, you need to consider:

  1. How much income do you need to continue operating your business in the event of a shutdown of your premises?
  2. How quickly will the policy become active after you report an incident?
  3. Will you need additional coverage for extra expenses such as leasing temporary office space, computer equipment or office machines?

Determine your needs

What does it take to run your business on a daily basis? How much do you need to pay your rent or mortgage, salaries, utilities, taxes, telephone and Internet service? Knowing your risk is the best way to determine the type of insurance plan that is right for your business.
Small Business Administration's guides to purchasing business interruption insurance.

Put it in writing

Make sure your policy includes information about your business income, projected future income and the projected expenses your business will incur on equipment, payroll and securing a temporary operating facility.

Price your options

Premiums can vary widely, but coverage limits are generally 20 percent of the value of the business. You can also purchase dollar limits of coverage.

  • Take a good look at all the interruptions your business might face in the event of a natural or man-made disaster.
  • Decide whether or not your company can afford the loss of income and the expense of reestablishing your business without additional insurance.
  • Make a checklist of your expenses and what equipment and services you'll need to keep your business running.
  • Make sure the policy has a long enough time frame to get your business back on its feet.