Business Interruption Insurance

Business interruption insurance protects property owners and tenants against financial losses when operations cease due to unforeseen incidents. The policy indemnifies lost revenue, ongoing fixed costs, and additional operating expenses during the recovery period following events such as fire, flood, or structural damage.

In commercial real estate contexts, this is essential for retailers whose shops must close following water damage, office operators facing extended utility failures, or logistics companies experiencing warehouse infrastructure damage. Coverage typically includes continuing rent or lease payments, payroll maintenance, utilities, and other standing charges until normal business operations resume.