If you were forced to shut down, could you still cover your operating expenses?

Business Interruption Insurance

Business Interruption Insurance helps you pay bills, replace lost income and cover payroll when a covered event forces your business to close temporarily. If your business is forced to move or rebuild because of a disaster such as a fire, business interruption insurance can help reimburse you for lost profits, mortgage/rent, utilities, taxes, payroll, advertising and relocation fees.


What’s Covered

  • Revenue you’d normally make if your business was open.
  • Mortgage, rent and lease payments for the space your business operates from.
  • Loan payments that you need to make during that time.
  • Taxes, whether you pay them monthly or quarterly.
  • Payroll for your employees.
  • Relocation costs if you have to move to a new or temporary location because of physical damages.
  • Extra expenses if, for example, you need to rent another space to temporarily run your business after a covered loss.
  • Training costs for employees to learn how to use new machinery or equipment after a covered loss.

What’s Not Covered

  • Broken items resulting from a covered event or loss.
  • Flood or earthquake damage, for which you’ll need a separate policy.
  • Undocumented income that’s not listed on your business’ financial records.
  • Utilities, because they’re usually turned off when your business closes due to damage.
  • Communicable diseases that cause a shutdown in your operation.

Interested in an insurance proposal at no obligation or cost?


Coughlin Insurance Services, Inc.
178 Myrtle Boulevard, Floor 2, Larchmont, NY 10538
Toll Free : (800) 542-0661
Tel: (914) 834-1234 Tel: (212) 593-0200

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