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Business Income and Extra Expense Coverage is a vital safeguard within a Business Owner’s Policy (BOP) that helps your company stay financially secure after an unexpected property loss. If a fire, theft, or severe weather event forces you to suspend or reduce operations, this coverage reimburses your business for lost revenue and necessary operating costs during the downtime. It allows you to continue meeting payroll, rent, and other obligations while repairs or rebuilding take place.
Business Income Coverage compensates for the income your company would have earned if operations hadn’t been interrupted. Extra Expense Coverage helps cover urgent costs such as temporary workspace, equipment rental, and relocation expenses—keeping your business functioning and minimizing downtime. Together, these protections help you maintain cash flow and return to normal faster after a disruption.
For retail stores, offices, restaurants, and professional service providers, even short closures can lead to lasting financial strain. When paired with Property and Liability Insurance under a BOP plan, this coverage creates a comprehensive financial safety net that keeps your operations stable through recovery.
Every company has unique financial needs. Our advisors work with you to design a BOP that fits your specific industry, revenue model, and risk exposure.
When a loss occurs, our team acts fast—helping you access funds quickly so your business remains financially stable during the restoration period.
With years of experience protecting small and midsize businesses, we understand the real-world challenges that come with operational interruptions.
From the day your policy begins to the moment it’s needed most, we provide dependable support, expert insight, and proactive coverage reviews.
It reimburses your business for the income you would have earned if your operations hadn’t been interrupted by a covered loss such as fire, theft, or storm damage.
It pays for additional costs required to keep your business running after an interruption—like renting equipment or securing a temporary office.
Yes, it’s a standard part of most Business Owner’s Policies, offering a convenient, bundled approach to property and income protection.
Only those specifically listed in your policy. Events like pandemics or utility failures may require separate endorsements or specialized coverage.
Coverage typically lasts throughout the period of restoration, ending once your property is repaired or normal operations resume.
They evaluate your previous financial statements, expense reports, and projected revenue to determine an accurate loss estimate.
Because even brief closures can disrupt payroll, customer service, and cash flow. This protection helps stabilize finances and ensures continuity.
