Tuesday, 8 April 2014

What is Business Interruption Coverage?

Do you have a business? If you do, then is your business properly covered? Sometimes, what you think is enough is actually... not enough. This is especially true about insurance policies. The more you hear about the different types of insurance policies, the more you begin to wonder whether your company might benefit from them. How do you know, then, which one you need and which one you don't? Talking to your insurance agent and doing a bit of research always helps.

Today, we will focus on a type of extra commercial insurance coverage that seems to be overlooked by quite a few companies: business interruption coverage. In its simplest definition, this type of policy provides a business with the funds necessary to replace a loss of income that resulted from an interruption in business. Such interruptions may include fires or natural disasters. Keep in mind that business interruption is never sold as a separate policy. Instead, it is extra coverage that a business can choose to add to its existing commercial insurance policy package.

So why exactly should you consider buying this type of coverage? It's quite simple actually: Sometimes, it takes a long time before you are able to get your business back up and running. It is not uncommon, in fact, for a business to be crippled for a period of several months as a result of a natural disaster.

Being covered under this type of insurance policy is therefore the best way to safeguard the financial stability of your business. In the event of a disaster, you will not have to worry at all: Your utility bills, your professional fees, your gross earnings loss and even your payroll will be covered.

Do you need another reason why you need this policy? We don't think so.


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