What Is Business Interruption Insurance?

Key Points

• Covers lost gross profit and ongoing fixed expenses during the interruption period
• Only triggered by physical damage from an insured peril (fire, storm, etc.)
• The 'indemnity period' — how long cover pays — must be set realistically (12–36 months)
• Does not cover pandemic, cyber attack, or loss of a key supplier unless specifically endorsed
• Usually purchased alongside a commercial property policy