Business Interruption Insurance
Business Interruption Insurance
Business interruption insurance — also called business income coverage — replaces the income your business loses when a covered event forces you to close or scale back. It covers lost revenue plus continuing expenses like rent and payroll during the recovery period, so a fire or major property loss doesn’t just damage your building — it doesn’t wipe out your cash flow too. It’s usually added to a commercial property policy or Business Owners Policy. Covella helps Cincinnati businesses size this coverage to their real exposure.
Business Income Protection Coverage
What it covers
lost net income during a covered shutdown · ongoing operating expenses (rent, payroll, loan payments) · temporary relocation costs · an extended recovery period after reopening (varies by form).
Who needs it
any business that would lose income if its location became unusable — retailers, restaurants, offices, and manufacturers especially.
Cost factors
revenue, industry, property value, and the recovery/indemnity period selected.
Frequently asked questions
We’ve answered the most common questions to make choosing and managing your insurance easier and stress-free.
What triggers business interruption coverage?
Typically a covered physical loss (like fire) that suspends your operations — the same perils as your property policy.
How long does it pay?
For the “period of restoration” — the time it reasonably takes to repair and reopen, up to your policy’s terms.
Ready to talk? Send your resume to info@covellains.com or call (513) 489-6422.