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Business Insurance Services
General Business Insurance
Business Income
Business Owners Package
Commercial Liability Insurance
Commercial Property
Equipment Breakdown
Farm and crop insurance coverage
Fleet Coverage
Florist insurance coverage
Insurance coverage for apartment buildings
Insurance coverage for outfitters & guides
Insurance coverage for water well drillers
Wineries and vineyards insurance coverage
Liability Insurance
Catering business insurance coverage
Cleaning business insurance coverage
Commercial Liability Insurance
Directors’ Office Liability
Employment Liability
Kidnap and Ransom Insurance Coverage
Liquor Liability
Professional Malpractice
Special events insurance coverage
Umbrella Excess
Unusual Commercial Insurance Risks
Veterinary insurance coverage
Commercial Auto Insurance
Commercial Auto Insurance
Truck insurance coverage
Employee and Business Operation Insurance
Commercial Umbrella Insurance
Commercial Checklist
Employee Dishonesty
Errors and Omissions insurance coverage
Health and fitness business insurance
Wildland Firefighter Insurance Coverage
Workers Compensation
Business Income Coverage
Often the greatest loss to a business damaged by fire or another insured peril is the loss of income due to inability to continue operations. Several forms of business income insurance exist to protect against these losses. For example, a BOP policy typically includes earnings insurance, which compensates the business for the net loss resulting from interrupted operations.
BOPs often include another type of coverage, extra expense, which facilitates funding for the business to make the necessary arrangements to continue operations with little or no interruption, including the costs of temporarily relocating and related advertising expenses.
Some examples where a business could use extra expense coverage include: renting another location while the damaged premises are repaired, expediting delivery of new merchandise via air freight to replace damaged contents, or recreating documents essential to processing orders.
Some business income coverages can also cover lost income while a business regains its market share or cover income lost due to the shutdown of a suppler or even the loss of an anchor tenant in a shopping center. Additional coverage are available for shutdown due to the disruption of a public utility and by order of a civil authority. Call our office for an analysis of your particular business income needs.