{"id":61362,"date":"2020-04-09T13:02:41","date_gmt":"2020-04-09T17:02:41","guid":{"rendered":"https:\/\/www.insureyourcompany.com\/?p=61362"},"modified":"2020-04-09T13:02:41","modified_gmt":"2020-04-09T17:02:41","slug":"the-ins-and-outs-of-business-interruption-insurance","status":"publish","type":"post","link":"https:\/\/insureyourcompany.com\/blog\/the-ins-and-outs-of-business-interruption-insurance\/","title":{"rendered":"The In&#8217;s and Out&#8217;s of Business Interruption Insurance"},"content":{"rendered":"<p><b>COVID-19 Update:\u00a0<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Losses due to COVID-19 often do not trigger coverage<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Business interruption insurance typically requires physical damage or loss to property<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">A government-mandated closure or workforce shortage may not trigger coverage<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Losses caused by a virus are routinely excluded<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Each claim is evaluated independently.\u00a0 If you have a potential claim, you should submit it promptly and contact your broker with questions.<\/span><\/li>\n<\/ul>\n<p><b>Business Interruption Insurance:\u00a0 What does it cover?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Business interruption insurance (otherwise known as business income coverage) is typically part of your business-owners insurance policy. It compensates your business for lost revenue and other expenses when you can\u2019t operate due to a covered loss \u2013 often things like damage to business property, fire, wind, falling object, or lightning.\u00a0 Usually, coverage is tied to physical property damage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What expenses can business interruption insurance cover?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8211;<\/span><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Lost Revenue<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8211;<\/span><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Commercial rent<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8211;<\/span><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Relocation costs<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8211;<\/span><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Salaries\/wages<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8211;<\/span><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Taxes<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8211;<\/span><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Loan payments<\/span><\/p>\n<p><b>How much business interruption coverage do I need?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">It can be difficult to determine how much business interruption insurance you need.\u00a0 It\u2019s a good idea to think about how long your reserves will last in the event you are forced to suspend operations.\u00a0 Remember, every insurance policy has limits and there are often separate limits for business interruption coverage. If your expenses exceed those limits, you\u2019ll have to pay out of pocket.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This coverage can help keep your business going while you make necessary repairs, relocate your operations, and get your operations back on track after a covered loss.\u00a0<\/span><\/p>\n<p><b>What does Business Interruption Insurance Not Cover?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">&#8211;<\/span><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Short closures<\/span><\/p>\n<p><span style=\"font-weight: 400;\">o<\/span><span style=\"font-weight: 400;\"> \u00a0 <\/span><span style=\"font-weight: 400;\">Most policies have a \u201cwaiting period\u201d of 3 days before coverage kicks in.\u00a0 If your operations cease for 3 days or less, coverage usually does not apply<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8211;<\/span><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">When you can still earn income<\/span><\/p>\n<p><span style=\"font-weight: 400;\">o<\/span><span style=\"font-weight: 400;\"> \u00a0 <\/span><span style=\"font-weight: 400;\">If your business can still operate in some capacity, business interruption insurance often will not apply.\u00a0 For example, if the backroom of your shop is damaged by fire but you can still operate while making repairs, the insurance may not compensate you for lost income.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8211;<\/span><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Excluded losses<\/span><\/p>\n<p><span style=\"font-weight: 400;\">o<\/span><span style=\"font-weight: 400;\"> \u00a0 <\/span><span style=\"font-weight: 400;\">All insurance policies have exclusions. Often, these include:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Broken items<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Flood or earthquake damage<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Undocumented income<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Utilities<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Any other loss excluded by the policy<\/span><\/li>\n<\/ul>\n<p><b>Business Interruption Insurance and the Corona Virus<\/b><\/p>\n<p><span style=\"font-weight: 400;\">In many cases, losses due to the novel corona virus (Covid-19) are not covered.\u00a0 Business income coverage usually kicks in when business property is damaged by a covered loss.\u00a0 Most insurance policies have language that requires \u201cdirect physical loss or damage to property.\u201d\u00a0 Losses due to a virus are often excluded, as are losses that do not involve physical damage to property.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When business slows because of illness, shortage or workers, or a pandemic, the coverage usually does not apply.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, each loss is evaluated individually and the insurance industry\u2019s response to COVID-19 is constantly developing.\u00a0 If you have a loss you are encouraged to report it as soon as possible and contact your agent with any questions.\u00a0\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>COVID-19 Update:\u00a0 \u00a0 \u00a0 \u00a0 Losses due to COVID-19 often do not trigger coverage \u00a0 \u00a0 \u00a0 Business interruption insurance typically requires physical damage or loss to property \u00a0 \u00a0 \u00a0 A government-mandated closure or workforce shortage may not trigger coverage \u00a0 \u00a0 \u00a0 Losses caused by a virus are routinely excluded \u00a0 \u00a0 \u00a0 [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":61363,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[76],"tags":[201,248,264,773,774],"class_list":["post-61362","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-insurance","tag-business","tag-business-interruption-coverage","tag-business-interruption-insurance","tag-covid","tag-covid-19"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"COVID-19 Update: Losses due to COVID-19 often do not trigger coverage Business interruption insurance typically requires physical damage or loss to property A government-mandated closure or workforce shortage may not trigger coverage Losses 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