Business Interruption Insurance


Temporary work stoppages don’t have to set you back. Let our brokers shop the market to find you the coverage your business needs.

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Business Interruption Insurance Coverage

If your business was temporarily unable to operate due to fire or theft, would you be able to manage without income while your business is being rebuilt or restored? This is where business interruption insurance, also known as business income insurance can be a real lifesaver, while you are waiting to get your business back up and running.


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When a natural disaster strikes, such as a roof collapsing under the weight of winter snow, or a fire that engulfs your building, business interruption insurance kicks in when these events disrupt your business. Business interruption insurance can help you recoup lost revenue due to a temporary discontinuation of your revenue stream. Business income insurance options can cover the following:

  • Covers lost net income and ongoing business expenses
  • Allows you to weather a temporary business closure
  • Pays relocation and advertising expenses
  • Maintains your business’ existence

Typically not sold as a separate policy, business interruption insurance is either included in a comprehensive policy or can be added to a property/casualty policy that determines the amount of coverage you can obtain.

Insurance that Keeps You in Business

As a small business owner, you know that it is critical to protect the source of income your business brings in, especially if it is your sole source of income. This is when business interruption insurance truly offers real peace of mind. In the same way that you would insure your commercial property against fire as part of your standard property/casualty policy coverage, business income insurance helps defray your costs and expenses owing to lost income while you repair and restore your operations in the aftermath of a natural disaster.

Types of Business Interruption Coverage

When looking for coverage options to help ward against financial ruin in the event of a natural disaster, talk with your broker who can help you identify the ideal policy to protect your income flow in the event of a business outage. Some additional things to consider include:

  • Gross Earnings Coverage — covers your gross earnings until your insured property is back up and running following a fire or other natural disaster.
  • Profits Form Policy — pays you benefits until your business returns to full functionality following a business interruption.
  • Extra Expense Coverage — provides funds to relocate if necessary to temporary facilities until their building is repaired.

Plan to Survive with Business Income Insurance

Business income or interruption insurance is the best possible way to plan to survive a major business disruption that could threaten your source of income. If you have any questions about how to protect your business, contact Sean McNamara at Mitchell and Whale Insurance Brokers today at 1-800-731-2228 or email me at smcnamara@mitchellwhale.com. I specialize in commercial insurance and I’d be happy to help you.

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