Business Income and Interruption
Helping the business continue after a covered event.
Business income and interruption coverage may help address the loss of income a business suffers after a covered event disrupts operations. It is often reviewed alongside commercial property protection.
Coverage is subject to policy terms, limits, and exclusions.
Information to Prepare
- • Annual revenue and income estimates
- • Ongoing monthly expenses
- • Payroll commitments
- • Dependence on a specific location
- • Current policies, if any
- • Relocation options
What This Coverage May Help Address
- Lost income after a covered event interrupts operations
- Certain ongoing expenses during a covered interruption
- Extra expenses to operate from a temporary location
- Continued payroll for a period after a covered loss
Common Scenarios
- A fire forces a temporary closure while repairs are made
- A covered event damages equipment and halts production
- A covered loss requires relocation to continue operating
- A covered interruption reduces revenue for a period
What May Not Be Included
- ✕ Losses from events not covered by the policy
- ✕ Employee injury and workplace incidents
- ✕ Liability claims from third parties
- ✕ Damage to property outside the covered scope
Who May Benefit
- Businesses that depend on a physical location
- Operations where downtime means lost revenue
- Owners with ongoing expenses during an interruption
- Businesses seeking continuity planning
Business Income and Interruption — Frequently Asked Questions
Ready to talk about Business Income?
Share how your business operates and start a conversation with a Dallas-Fort Worth commercial insurance professional.
Availability, eligibility, underwriting company, terms, and coverage options vary. Speak with the agency to determine which products may be available for your business.
Some commercial insurance products may be offered by, administered by, or referred to third-party companies that are not affiliated with Texas Business Insurance. Each insurer is solely responsible for the products it issues and its financial obligations.
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