Business Interruption insurance fills a gap in most commercial property and liability policies. It exists to provide coverage for lost income and earning capacity while your location is being restored or rebuilt after a loss.
Additional coverage is also available in conjunction with business interruption insurance. If your place of business is damaged by a loss you might incur extra expenses such as outsourcing work, temporary relocation along with costs for setting up internet, phone & utilities, additional advertising costs, rentals and more.
Consider your business income & expense exposures to determine if business interruption coverage is right for you. Your ability to generate sales could be threatened, and your income could come to a halt. Expenses could still continue. With business interruption coverage a business owner can cover ongoing expenses and still collect the profits they would have expected to generate had the loss not occurred.