Commercial / Business Interruption

Michigan Business Interruption Insurance

Insurance can rebuild your building after a fire — but what pays your staff, rent, and bills while you're closed for months? Business interruption coverage replaces the income and covers the expenses that keep a covered loss from ending your business for good.

What we do for business interruption insurance clients

• Replace lost income — coverage for the revenue you lose while operations are suspended after a covered property loss.
• Cover ongoing expenses — payroll, rent, and fixed costs that don't stop just because you're closed.
• Right restoration period — we set the coverage period to how long your business would actually take to recover.
• Add extra expense — funds to operate from a temporary location and reopen faster.

Who needs it

Any Michigan business that depends on a physical location, equipment, or inventory to earn revenue — restaurants, retailers, manufacturers, offices, and service businesses. If a fire or storm would force you to close, you need it.

What business interruption covers

• Lost net income — the profit you would have earned while shut down.
• Continuing expenses — payroll, rent, loan payments, and fixed costs.
• Extra expense — costs to operate temporarily and speed your reopening.
• Civil authority — income loss when authorities block access after a nearby covered loss.
• Restoration period — coverage through the time it takes to rebuild and reopen.

Common questions

What is business interruption insurance?

Also called business income coverage, it replaces the revenue you lose and pays the expenses that continue — payroll, rent, fixed costs — when a covered property loss (like a fire) forces your business to suspend operations. It's what keeps a covered loss from becoming a permanent closure.

Is business interruption included in my property policy?

It's usually an add-on to commercial property or a BOP, not automatic — and it's one of the most overlooked coverages. We make sure it's included and that the limits and restoration period actually match how your business would recover.

Does business interruption cover pandemic shutdowns?

Generally no — most policies require direct physical loss or damage to trigger coverage, and many now specifically exclude viruses and pandemics. It's built for events like fire, storm, or equipment loss. We'll explain exactly what your policy does and doesn't respond to.

How much business interruption coverage do I need?

Enough to cover your lost profit plus continuing expenses for the realistic time it would take to rebuild and reopen — often longer than owners expect. We help you calculate it so you're not underinsured when it matters most.