Coverage · Business Income
Business income when operations stop.
Replaces lost income and pays continuing expenses when covered property damage forces you to slow or stop operations.
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Tell us about the operation.
Business Income
What it covers.
A fire or major loss rarely ends with repairing the building. Contracts still have deadlines and payroll still runs. Business income pays lost net income and continuing expenses while you recover.
We size it on how long it would really take to restart production, including long lead times for specialized tooling and components.
Typically covers
- Lost net income during the restoration period
- Continuing expenses, including payroll
- Extra expense to keep operating or recover faster
- Losses from damage at a key supplier, when added
What we check
- A restoration period long enough for specialized tooling
- The waiting period before coverage starts
- Dependent property for single-source suppliers
- Limits that reflect current revenue
By sector
How it applies to your sector.
Defense & Government Contractors
Keeps payroll running when a facility loss threatens contract delivery.
Unmanned Systems & Counter-UAS
Accounts for long lead times on specialized components.
Firearms & Ammunition
Covers income lost while production is down.
Communications & Space
Covers interruption at production sites and key suppliers.
Common questions
Questions we hear about this coverage.
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Through the period of restoration: the time reasonably needed to repair and resume. We set it on realistic recovery times for your operation.
Only with dependent property coverage, which extends business income to losses at key suppliers or customers.
Usually, yes. It is written alongside property and triggered by covered property damage.