Business Interruption

Business Interruption

Business Interruption

Learn what Business Interruption protects and why your business needs it. Ready for a quote? We'll help you understand your coverage options quickly and simply.

Learn what Business Interruption protects and why your business needs it. Ready for a quote? We'll help you understand your coverage options quickly and simply.

Learn what Business Interruption protects and why your business needs it. Ready for a quote? We'll help you understand your coverage options quickly and simply.

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What Is Business Interruption?

Business Interruption insurance helps replace lost income when a covered event forces your business to slow down or temporarily close. It’s designed to keep your finances steady while you recover and reopen.

What Does Business Interruption Cover?

It can help pay for lost revenue and ongoing operating expenses after a covered property loss, like fire or certain water damage, that disrupts your normal operations.

Fire shuts down your storefront

A kitchen fire causes smoke damage and the city won’t allow you to open for two weeks. Business Interruption can help replace lost income and cover continuing costs while repairs happen.
A kitchen fire causes smoke damage and the city won’t allow you to open for two weeks. Business Interruption can help replace lost income and cover continuing costs while repairs happen.

Water damage pauses production

A pipe bursts overnight and floods your work area, forcing you to stop operations while equipment is cleaned and the space is restored. Coverage may help with lost revenue during the downtime.
A pipe bursts overnight and floods your work area, forcing you to stop operations while equipment is cleaned and the space is restored. Coverage may help with lost revenue during the downtime.

You relocate temporarily to keep serving customers

After a covered loss, you rent a short-term space to keep orders moving. Business Interruption may work with extra expense coverage to help offset the cost of operating from a temporary location.
After a covered loss, you rent a short-term space to keep orders moving. Business Interruption may work with extra expense coverage to help offset the cost of operating from a temporary location.

Key Features of Business Interruption

Helps replace lost business income

If a covered claim interrupts your operations, this coverage can help bridge the gap between what you would have earned and what you actually bring in while you recover.

Supports ongoing expenses during downtime

Rent, certain payroll, loan payments, and other fixed costs do not stop just because your doors are closed. Business Interruption can help you keep up with essential bills.

Coverage is tied to a covered physical loss

Business Interruption typically applies when there is direct physical damage from a covered cause of loss under your property policy, and that damage is what creates the shutdown or slowdown.

Business Interruption Made Simple

Everything you need to know about this coverage, from basic definitions to real-world application scenarios.

Is Business Interruption the same as Business Income coverage?

Many policies use the terms interchangeably, but the exact wording matters. Business Income often refers to the lost profit plus continuing normal operating expenses after a covered loss. Some policies bundle this with Extra Expense or include it as part of a broader Business Interruption section. We’ll walk you through how a carrier defines it before you buy.

What triggers Business Interruption coverage?

What does it pay for, specifically?

How long does Business Interruption coverage last?

Does it cover interruptions caused by power outages or supply chain issues?

What information do insurers need to quote Business Interruption?

Is Business Interruption the same as Business Income coverage?

Many policies use the terms interchangeably, but the exact wording matters. Business Income often refers to the lost profit plus continuing normal operating expenses after a covered loss. Some policies bundle this with Extra Expense or include it as part of a broader Business Interruption section. We’ll walk you through how a carrier defines it before you buy.

What triggers Business Interruption coverage?

What does it pay for, specifically?

How long does Business Interruption coverage last?

Does it cover interruptions caused by power outages or supply chain issues?

What information do insurers need to quote Business Interruption?

Protect your business now.

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Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.