Business Income / Business Interruption
Definition. Business Income coverage pays your lost revenue + ongoing expenses when a covered Property loss forces temporary closure.
Also known as: BI, Business Interruption
Typical limit: 12 months of operating income. Some carriers offer 18-24 month extensions. Often included in BOPs. Often the largest claim payout after a major fire or property loss.
Example
Restaurant fire forces 4-month closure. Business Income pays the $80K in lost revenue + ongoing rent and salaries.
Sources cited
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Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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