Affordable Business Interruption Insurance

Protecting your cash flow

What coverages can I get for Business Interruption?

When an unexpected disaster forces you to close your doors, Business Interruption insurance ensures your company continues to generate revenue and survive the downtime.

Income Loss Coverage

Compensates for the net income (profits) your business would have earned based on financial records, had the covered disaster not forced a temporary operational shutdown.

Extra Expense Coverage

Covers additional costs incurred to continue operations during the interruption, such as renting temporary office space, leasing replacement equipment, or paying overtime to staff.

Contingent Interruption

Covers your lost income if a critical supplier or major customer suffers a disaster that severely disrupts their operations, which in turn halts your ability to do business.

Civil Authority Coverage

Reimburses lost income if a government entity mandates an evacuation, curfews, or road closures due to a nearby disaster, preventing customers and staff from reaching your premises.

Employee Wages Coverage

Ensures you can continue making payroll to retain your essential staff while the business is closed for repairs, preventing you from having to re-hire and re-train a new workforce later.

Extended Business Income

Provides a buffer by continuing to cover income losses for a specified period after your physical property is repaired, giving your business time to restore its customer base to pre-loss levels.

Why Orbit

Why Orbit is the best choice for Interruption Insurance?

Competitive Rates

We navigate the commercial property market for you, comparing multiple top-tier carriers to secure the highest limits of interruption coverage at the most affordable premium.

Industry Expertise

Every business recovers differently. We understand the specific nuances of your industry's supply chain and revenue cycle to structure the correct period of restoration.

Flexible Requirements

Whether you own your building or lease your operational space, we have markets that welcome all types of commercial structures and lease agreements.

Dedicated Agents

A disaster is stressful enough. Our dedicated commercial agents are highly accessible online, over the phone, or in person to help you navigate the complex claims process rapidly.

Talk to a commercial expert today

An Orbit agent is ready to help you analyze your revenue streams and build a custom safety net to ensure your business survives the unexpected.

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The basics

What is Business Interruption Insurance?

Business Interruption Insurance (also known as Business Income Insurance) is a crucial aspect of commercial property coverage. It protects business owners from the devastating financial impact of an unforeseen shutdown caused by a covered peril—such as a catastrophic fire, severe windstorm, or equipment breakdown.

While standard property insurance pays to rebuild the physical structure and replace inventory, it does not replace the money you would have made while the doors are closed. Business interruption bridges that gap. It covers lost revenue, ongoing fixed expenses (like rent and utilities), and even the cost of temporarily relocating your operations. Knowing you have this safety net ensures your business does not suffer irreversible losses during the recovery phase.

Factors That Impact Your Rates

Industry Type & Operations: A restaurant that relies entirely on its physical location to generate revenue faces a higher interruption risk than an IT consulting firm with remote capabilities.
Revenue and Profit Levels: Higher annual revenue necessitates a higher coverage limit to fully replace lost income, which increases the premium.
Location & Building Construction: Operating in an area prone to severe weather or occupying an older building with a higher risk of fire directly elevates your vulnerability to an interruption.
Risk Management Practices: Businesses with strong disaster recovery plans, backup generators, or redundant supply chains may qualify for lower rates.

Good to know

Frequently asked questions & Requirements

Unlike Workers' Compensation or Commercial Auto, business interruption insurance is not legally required by the state. However, it is highly recommended for businesses that depend on continued physical operations to survive. Additionally, some commercial lenders or landlords may require it to ensure you can continue making payments if the building is damaged.

It can be purchased as a standalone policy, but it is most frequently included as a core component of a Commercial Package Policy (CPP) or a Business Owner's Policy (BOP) alongside general liability and commercial property coverages.

The duration of the payout (known as the "period of restoration") depends on the specific terms you select for your policy. Coverage typically kicks in after a 48 to 72-hour waiting period and lasts until the physical damage is repaired and the business resumes normal operations, up to the maximum time limit (often 12 months) stated in the policy.

Generally, yes. Because business interruption proceeds are designed to replace lost net income that would have been taxable, the IRS typically treats these payouts as ordinary income. We recommend consulting a tax professional regarding your specific situation.

To generate an accurate business interruption quote, we will need:

Financial Records: Profit and loss statements, tax returns, and accurate projections of your annual revenue and fixed operating expenses.
Business Info: A detailed description of your operations, physical location(s), and industry type.
Dependency Data: Information regarding key suppliers, critical equipment, and major customers essential to your continuity.
Restoration Estimates: An assessment of how long it would realistically take your business to rebuild and resume operations following a total loss.

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