Business Interruption Insurance

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Business Interruption Insurance Coverage: Free Quote

Business interruption insurance, also known as Business Income insurance, is a form of time-element coverage. It replaces lost income a business would have made during a specific period had no loss occurred. Coverage, however, is triggered only if there is direct physical damage to covered property by a covered cause of loss. Operating expenses can also be covered if a business needs to change locations or make loan payments. However, it often does not protect closed businesses if a pandemic occurs.  ,

What Types of Businesses Should Consider Business Interruption Insurance?

An example of business interruption coverage at work is in the case of a fire at a business owner's covered headquarters. If the fire destroys the building and the business is closed for a week and then running at a lower capacity for several months, then a business interruption policy would be triggered. It would pay out the lost income the business would have made during the closure and lowe -production period had the loss never occurred.

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Something many businesses don't know is that commercial insurance carriers have preferences for which types of businesses they insure.

The problem for most business owners is that they don't know which carrier is the best fit for their business, leading to high premiums or declined applications for coverage .

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