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Business Interruptions
Business Interruptions
This is a very important coverage. Most businesses fail to recover after a serious loss. It is not because you did not have enough coverage for the building and content, but you failed to insure your cash flow. Business interruption insurance will give you the cash flow you need to continue to pay for the fixed expenses like mortgage, taxes and utilities. It will also pay for your profits and the salaries of your key employees. You can also choose to ensure the salaries of your full time ordinary employees.

There are two basic types of plan.
  • Extra Expense:
  • This covers any extra expense you might incur due to a covered loss. Just like your additional living expenses in your home owner policy, this will provide coverage if you have to rent another location till yours is repaired or rebuilt.
  • Loss of income:
  • This covers the loss of income due to the covered loss. It maintains your cash flow during your covered loss. If you own an apartment building, this will cover your loss of rental income. Depending on the type of business, you could get extra expense and loss of income coverage.
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