Helping your business recover and move forward
Business interruption insurance is an essential risk management solution for organizations across all industries. It helps provide the financial support needed to recover after a covered disruption, so your business can continue meeting payroll, paying bills, and maintaining operations during a crisis. This coverage can also provide added confidence to employees and shareholders by helping protect business income in the event of a severe weather or other insured disaster.
Coverage that helps your business stay resilient
Business interruption solutions to keep your company running
Business interruption insurance can be tailored to your organization’s needs. Depending on your policy, coverage may include support for lost income, additional operating costs, and disruptions involving key suppliers, partners, or government-mandated closures.
Business income coverage
Replaces lost income and covers ongoing operating expenses if your business must temporarily close due to a covered loss.
Extra expense coverage
Covers additional costs required to keep operations running after a covered loss, such as renting a temporary location or securing alternate equipment.
Contingent business interruption coverage
Provides support when a key supplier, customer, or business partner experiences a covered disruption that affects your operations.
Civil authority coverage
May help your business recoup losses when access to your premises is restricted by a government order, such as a mandatory evacuation.
Managing business disruption
Expert support for business continuity and recovery
Our risk advisors and in-house claims team work with you to help you navigate the claims process with confidence, build coverage that reflects your operations, and support your recovery goals.
Specialized business risk expertise
We understand the financial, operational, and reputational impacts that can follow a disruption. Our advisors help identify exposures and recommend coverage designed to protect income, clients, employees, and long-term business continuity.
Advisor-led guidance
As your insurance advisor, we focus on understanding your organization’s needs and recommending practical, customized coverage options that align with your risk profile and business objectives.
Dedicated claims advocacy
If a loss occurs, our in-house claims team can help coordinate the process, support documentation, assist with negotiations, and advocate for a fair and timely resolution.
FAQs about business interruption insurance
When a covered disruption forces your business to close or reduce operations, revenue can stop while expenses continue. Business interruption insurance can help replace lost income and cover ongoing costs such as rent, utilities, supplier payments, and payroll, giving your organization financial support while it works toward recovery.
Business interruption coverage typically applies when your operations are disrupted by a covered loss. Depending on your policy, this may include situations such as:
• A mandatory evacuation order
• A covered property claim
• Restricted access to your premises due to a civil authority order
• A disruption involving a key supplier, customer, or business partner
• A covered event that prevents the business from operating as usual
Coverage varies by insurer, policy wording and the circumstances of the loss. Some policies may only respond after direct physical damage to insured property, while others may include additional
extensions. Your policy may also include limits, waiting periods or a defined indemnity period that determines how long benefits are available. Reviewing these details with an advisor can help ensure your coverage reflects your actual recovery timeline and financial exposure.
Lost income is typically calculated using your historical financial records, including sales, revenue trends, expenses, and projected earnings. The exact calculation method can vary by insurer and policy form, so it is important to maintain accurate records and work with your advisor to confirm the appropriate coverage limit before a loss occurs.
Commercial liability insurance helps protect your business if it is held responsible for third-party injury or property damage.
Commercial property insurance helps cover physical assets such as your building, equipment, inventory, and other business property if they are damaged by an insured event.
Business interruption insurance addresses a different need: the income your business may lose and the ongoing expenses it may still need to pay while recovering from a covered disruption. Together, these coverages can help create a more complete approach to protecting your operations, assets, and financial stability.
