Who needs Business Interruption?
What's covered
The profits you would have earned if the covered event hadn't occurred.
Ongoing costs like rent, utilities, loan payments, and insurance that continue even when closed.
Payroll to retain key employees during the closure period.
Extra expenses to operate from a temporary location while your main site is repaired.
Continued coverage as you rebuild your customer base after reopening.
What's not covered
Examples by industry
A fire closes your salon for two months; business interruption replaces the lost income and covers payroll while you rebuild.
A kitchen fire shuts your restaurant down for weeks; business interruption covers lost revenue and ongoing bills.
A flood at your facility halts operations; business interruption replaces the income you lose during the closure.
A fire makes your office unusable; business interruption covers lost billings while you relocate.
Storm damage closes your store during peak season; business interruption replaces the lost sales income.
A fire disables your dispatch hub and fleet; business interruption covers revenue lost during the downtime.
A disaster forces your office offline; business interruption covers the income lost while you recover.
A shop fire stops your jobs for a month; business interruption covers lost income and payroll.
A flood shutters your studio mid-project; business interruption replaces the income lost during the closure.
Fire damage closes your brokerage office; business interruption covers lost commissions and operating costs.
Part of the Knack guide
Learn Business Interruption alongside every other coverage in our full guide.
Open in the full guideRelated coverages
Often purchased together
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