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Illustrated main street with a cafe under a dark awning with outdoor tables, a bakery with a striped awning and a purple hanging sign, tree-lined sidewalks and a white van down the road

Business income insurance

close for
repairs, not
for good.

If a fire or storm shuts you down, business income replaces the money you’d have made and keeps payroll and rent paid while you rebuild.

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MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

the doors close. the income doesn’t.

Lost sales, payroll and temporary moves. Tap around the street to see what’s covered, and what isn’t.

Illustrated street with a fire-scorched bakery with boarded windows and a purple sign, a food truck, a striped barricade and traffic cones across the road, a damaged warehouse and a delivery van by a brick building

covered

You close after a fire

The income you would have made.

covered

Payroll keeps running

Your team gets paid while you’re shut.

usually covered

You reopen somewhere temporary

Extra costs to keep serving customers.

usually covered

The city blocks your street

When nearby damage closes your street.

covered

You close after a fire

The income you would have made.

Examples. Your policy sets the details.

closed for repairs?
still paid.

Pick a point in the rebuild to see what adds up.

Month 1

Rent, payroll and
your lost profit.

Business income keeps paying until you reopen, up to your limit.

Rent $8,000, Payroll $42,000, Lost profit $15,000. Total $65,000 paid so far to Harbor Kitchen.

closed?
make one call.

We build the numbers the carrier needs, then follow the claim until you’re back open.

  1. 1. Call us after the loss

    Tell us what happened and when you had to close.

  2. 2. We build the numbers

    Your past sales, payroll and bills, packaged for the carrier.

  3. 3. We push it through

    Payments while you rebuild, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Harbor Kitchen

your options

$1,100a year, 12 months of income

3 options, same coverage

Option A$1,100

Option B$1,300

Option C$1,550

RestaurantChicago, IL$2M revenueNo claims
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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Put them on one program and we shop them together at every renewal.

good to know.

Straight answers about business income insurance.

What does business income insurance cover?
Business income insurance replaces the income you lose when a covered event, like a fire or storm, forces you to close or slow down. It typically pays lost net profit plus ongoing expenses such as payroll, rent and loan payments. Many policies also cover extra expenses to reopen faster, like a temporary location.
Is business income the same as business interruption insurance?
Yes. Business interruption is the older, common name; business income is the term most policies use today. Both refer to coverage for lost income after covered physical damage. It’s usually part of a property policy or a business owner’s policy rather than a standalone policy.
Does business income insurance cover payroll?
Usually, yes. Most business income coverage pays ongoing payroll while you’re closed for covered repairs, which helps you keep your team. Some policies limit how long payroll is covered, or cover only certain employees, so check the ordinary payroll terms.
How long does business income coverage last?
Typically until the property should reasonably be repaired, known as the period of restoration, up to your policy limit. Many policies set a maximum period, and longer periods are available. Extended business income can add time after you reopen while sales recover.
Do I need property damage for business income to pay?
Usually, yes. Standard business income coverage is triggered by direct physical damage from a covered cause, at your location or sometimes nearby. Slow seasons, market downturns and most closures without physical damage typically aren’t covered. Civil authority and dependent property coverage can extend it in some cases.

Insurance words, in plain English: business income and extra expense

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA