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Business Interruption Coverage


Business Interruption Insurance provides coverage against continuing business expenses and loss of income when a business is partially or wholly interrupted as a result of damage to property from a variety of causes.

The key item to note with the Business Interruption Insurance is that there has to be a claimable loss on property that is insured in order for there to be a Business Interruption Insurance claim.

The coverage varies depending on the form you choose. A number of considerations are; cover general labour salary for 30, 90 or 180 days, insure your profit, insure losses even after you are back up and generating revenue again for up to 12, 18 or 24 months after the initial loss. Another option is to insure for 6 or 9 months and the second you are back up and operating, the coverage will cease even though you have not made a sale yet.

The different coverage options chosen depend on your exact situation and your insurance budget.

Be sure to seek advice and purchase insurance from those who understand your business!