Business Interruption Insurance protects what happens to your business if a covered loss forces you to close for weeks or months? Business Interruption coverage replaces the revenue you lose while your operation is shut down for repairs after a fire, flood, or other covered property event. For action sports businesses with high fixed costs - lease payments, equipment financing, payroll - even a short closure can create a cash flow crisis. Business Interruption insurance keeps your business alive while you rebuild.
What's Covered
- Lost net income during closure
- Ongoing fixed expenses (rent, payroll, utilities)
- Extra expense to operate from a temporary location
- Dependent property coverage (supplier or key customer)
- Civil authority closure (government-ordered shutdown)
- Extended period of indemnity (recovery period)
A fire, flood, or major equipment loss can shut down a seasonal operation for its entire revenue season. Business Interruption Insurance coverage is the difference between surviving a covered loss and going out of business.
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