How to Cover Losses with Business Interruption Insurance

Cover Losses with Business Interruption InsuranceReview your business policy before disaster hits.


Disasters can strike at any time, causing many companies to go under. Even the ones that don’t may have to close their doors to recover temporarily. When a major accident hits, most businesses turn to their insurance for the coverage and protection to rebuild.

Standard property insurance covers physical damage and losses, such as equipment in a fire. However, you may be on your own if you need to close the doors to recover. Even so, the bills, rent, and wages must still be paid. With business interruption insurance, your company doesn’t have to take a financial hit along with a disaster.

Keeping Your Business Afloat

When your business is shut down due to a damaging event, you lose revenue as well as ongoing expenses. If you have business interruption coverage, many of these costs and losses can be reimbursed. Business interruption insurance will cover:

  • Revenue lost due to the closure
  • Fixed expenses, such as rent and utility costs
  • Expenses of operating from a temporary location


Your policy may cover additional costs associated with the disruption. For example, the costs related to advertising your temporary location.

Obtaining Coverage

Business interruption coverage is not sold as a stand-alone policy. It can be purchased as part of the following policies:

  • Commercial Property Insurance: You can add an endorsement to the policy that will extend coverage to business interruption losses.
  • Business Owners Policy (BOP): This is intended for small businesses as it includes coverage for property, liability, and business interruption.
  • Commercial Package Policy (CPP): CPPs are flexible policies that can be customized with a range of options, including business interruption coverage.


Are you ready to get started on securing the right business interruption coverage for your situation? With the right practices and reliable insurance in La Habra, CA, your business can stay safe. Visit Martplan Insurance Agency to get started on securing the right policy for your business.