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Business interruption insurance

What is business interruption insurance?

Business interruption/continuation insurance covers fixed costs of running a business, such as payroll, mortgage or rent payments, and utilities. It also covers profits that would have been earned by the business based on financial records. This insurance covers these losses only if a covered event, such as fire or theft, shuts down your business for an extended period of time. Business interruption/continuation coverage can be added to a property insurance policy or purchased as part of a package insurance product.

Do I need business interruption insurance?

While you are not required to have it, business interruption insurance could save your business in a disaster. This insurance can give you the resources you need to meet your clients’ needs and your obligations to your customers. Also, If you are not able to operate your business for a period of time, you could risk losing your employees, who need to keep earning income, to your competitors. Business interruption insurance solves that problem by helping you meet your payroll.

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