Business interruption insurance helps businesses recover lost income during temporary shutdowns due to unforeseen events and is typically an endorsement to a business owner's policy. It covers aspects such as lost income, expenses, and wages, making it essential for various businesses, particularly those like landscaping and food services. Key insurance providers include Nationwide and State Farm, with costs influenced by factors like business location and claim history.

1. Business
Interruption Insurance
“Build your own dreams or someone will hire you
to build theirs” — Farrah Gray

2. • According to U.S Bureau of Labor Statistics,
about 10.3 million people are expected to be self-
employed by the year 2026.
• But what about the hurdles? There are
many obstacles that you need to overcome as a
businessperson.

3. What Is Business Interruption Insurance?
• Business interruption insurance helps you cope
with loss of income if your business shuts down
temporarily due to unforeseeable events.
• Business interruption insurance isn’t a stand-
alone policy; you get it as an added endorsement to
a business owners policy.

4. What Does Your Business Interruption Insurance
Policy Cover?
A standard business interruption
insurance policy includes the following:
• Lost income
• Expenses
• Relocation
• Technological barriers
• Taxes
• Wages

5. Which Businesses Need Business
Interruption Insurance?
Every business could benefit from a BI policy. But
here are some businesses which MUST have it:
• Landscaping business
• Photography business
• Food/restaurant business
• Candle business
• Construction business
• Any startup

6. Some Things Your Homeowners Insurance Will Not
Cover​
Not typically included in standard home insurance are: ​
• Natural disasters​
• Pets​
• Cars​
• Commercial property​

7. Insurance Companies That Provide BI Insurance
Insurance
Company
Key Feature
Nationwide Best in customer satisfaction.
State Farm Customizable polices for restaurant/food
businesses.
Travellers Wider range of coverage against various
perils.
Farmers Insurance All basic business policies include BI policy.
The Hartford Best for businesses which have a lot
of costly equipment.

8. Factors Determining The Cost Of Premiums
• Business location
• Claim history
• Business size and type
• Safety measures of the business

9. Make sure you have a good protocol to protect your business. Invest in business
interruption insurance today by contacting our seasoned agents.