Enough to cover lost income and the expenses that continue during a realistic recovery period, which is the part most often underestimated. The figure is usually built from a business income worksheet: net income plus continuing expenses such as rent, payroll, and utilities, over the time it would genuinely take to reopen rather than a nominal period. Because both the income figure and the recovery period are specific to the business, review your individual needs with a licensed agent or qualified advisor.
Related FAQs
That may be covered by dependent or contingent business interruption, which some programs include or add. We will review whether it fits your business.
No. It follows a covered property loss, so the underlying event has to be covered by your property policy.
It is a short window after the loss before payments begin, often measured in hours. We will confirm what applies to your policy.
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