Business income (interruption) insurance helps cover operating expenses during business closures due to covered events, including lost net income, rent, loans, taxes, and payroll. It typically has a waiting period and restoration limits, which can be extended. Coverage excludes flood, earthquake, pandemics, and undocumented income. Options include contingent business interruption, extra expense, civil authority, and utility services endorsements. Costs vary by industry, size, and location.
