Business Interruption Insurance

Income Protection When the Unexpected Hits

We help Florida businesses bounce back from storms, fires, and other disruptions with coverage that bridges the gap.

Why Business Interruption Insurance Matters

Even a temporary closure can lead to serious financial strain—especially for small or service-based businesses. If your location is damaged by a hurricane, fire, or other covered event, business interruption insurance helps cover lost revenue and operating expenses during the downtime. It gives you breathing room to repair, relocate, or rebuild without worrying about payroll, rent, or loan payments piling up. In a state where hurricanes are a seasonal threat, this coverage is a vital layer of security.

A man and a woman are looking at a laptop computer in a kitchen.
An old abandoned gas station with a blue roof

What Business Interruption Insurance Can Cover

Lost Revenue

Replaces the income your business would have earned during closure.

Operating Expenses

Helps cover rent, utilities, and payroll while you're shut down.

Temporary Relocation

Covers costs if you need to move operations temporarily.

Loan & Tax Payments

Assists in covering financial obligations even if income stops.

Frequently Asked Questions

  • Is business interruption insurance included in my commercial property policy?

    Not always. It’s typically offered as an add-on to commercial property or a Business Owner’s Policy. We’ll help you determine if you already have it or if it needs to be added to your current plan.

  • What types of events are covered?

    This coverage usually applies after a physical loss from fire, hurricane, or similar disaster that makes your space unusable. It doesn’t apply to pandemics or economic downturns—but it’s critical for weather-related events common in Florida.

  • How long does the coverage last?

    Policies typically cover the “restoration period”—the time needed to repair your location and resume operations. Some plans offer extended coverage for extra peace of mind. We’ll help match coverage to the complexity of your business.

  • Does it cover online or home-based businesses?

    Yes, as long as you have a covered loss that halts your operations. We can help tailor business interruption coverage to remote or digital operations, too.