Business Interruption Coverage

Business Interruption Insurance Protect Your Revenue When the Unexpected Happens

A disaster may shut down your operations, but it shouldn’t shut down your business. Stay protected with coverage that replaces lost income and keeps you moving forward.

Get a Business Interruption Quote

Bundle with Property or BOP

Overview

What Is Business Interruption Insurance?

Business Interruption Insurance provides compensation for lost income and ongoing expenses when your business is forced to shut down due to a covered event like a fire, flood, storm, or equipment failure

It helps you pay rent, make payroll, cover loan payments, and recover lost revenue so your business can survive the downtime and bounce back stronger.

Business Interruption bridges the financial gap between disaster and recovery.

What’s Covered

What Does Business Interruption Insurance Cover?

Lost Business Income

Replaces net income you would’ve earned if operations hadn’t been interrupted.

Fixed Operating Expenses

Covers rent, utilities, payroll, and loan repayments.

Relocation Expenses

Covers the cost of moving to and operating from a temporary location.

Tax Obligations

Pays business taxes due during the closure period.

Loan Installments & Lease Payments

Ensures you don’t fall behind on financing agreements.

Extra Expense Coverage

Covers additional costs incurred to continue operations.

Contingent Business Interruption

Protection from supplier/vendor shutdowns.

Refund Liability Add-on

Reimbursements for missed deliveries or service obligations.

Covered Events Include:

Fire or explosion
Storm or natural disaster
Equipment failure or breakdown
Water damage (burst pipes)
Vandalism or theft
Civil authority shutdown (e.g., roadblocks, government-ordered closures)

Exclusions may apply for pandemics, war, cyberattacks, or uninsured disasters (e.g., floods without a rider).

Who Needs Business Interruption Coverage?

Is This Coverage Right for Your Business?

If your income depends on being open, producing, or fulfilling orders this policy is essential.

Ideal for:

Retail stores
Manufacturing and production facilities
Warehouses and fulfillment centers
Restaurants, salons, and service shops
Logistics and distribution businesses
SaaS companies reliant on office-based operations

Why Choose GlobalPayGuard?

The GlobalPayGuard Advantage

Fast Claim Turnaround

Get back on your feet quickly

Custom Limits

Set coverage based on your real business needs

Bundle Options

Combine with Property, BOP, or Marine policies

International Availability

Coverage in 40+ countries

24/7 Support

Dedicated multilingual claims assistance

How It Works

Tell us about your tech setup and risk factors
A burst pipe damages a restaurant’s kitchen — we cover repairs and two weeks of lost sales.
A government roadblock prevents customers from accessing your location — your BIC policy kicks in.

FAQs

How long does coverage last during a shutdown?

Coverage typically lasts until you resume operations, up to the policy’s stated time limit (often 12–18 months).

Does this cover income loss from pandemics or cyberattacks?

Generally, no — unless specific riders are purchased. For cyber-related downtime, see our Cyber Liability Insurance.

Can I buy this as a standalone policy?

Yes, but it’s often bundled with Commercial Property or a BOP for convenience and cost savings.

How do I calculate how much coverage I need?

We work with you to analyze past revenue, fixed costs, and risk exposure to recommend an appropriate limit.

Don’t Let a Shutdown Shut You Down

Business Interruption Coverage helps you survive and recover — no matter the disaster. Let’s build a plan that protects your revenue and your future.