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Business interruption coverage
Published 2026-06-12 · by Brokly
In plain terms: Pays the income your business loses when a covered event — like a fire — forces you to close, so the bills keep getting paid while you rebuild.
Why it matters to you
Property insurance rebuilds the building and replaces the gear; it doesn't pay the rent, payroll, or the profit you lose in the months you're closed. That gap is what business interruption (also sold as "business income") covers — and it's the gap that decides whether a closed business reopens.
Where you’ll see it
Usually inside a BOP or a commercial property policy rather than as its own policy — look for "business income" in the policy's property section.
Related terms
Definitions describe how policies are typically structured — exact terms live in the policy. Not legal or compliance advice.
Sources: NAIC — Glossary of Insurance Terms (Business Interruption) (retrieved 2026-06-12)