Insurance on your buildings and its contents protect you for the value of your property should it be destroyed by fire. Business Interruption Insurance gives you protection for the “reason you are in business”. Your cash flow and your future earnings. Without Business Interruption Insurance, you risk burning your money.

Following major damage to your premises, your income would be significantly reduced or be eliminated completely until your premises is rebuilt and restocked. For some businesses who can quickly move to new or temporary premises and source stock and tools locally, this could be a short period of time. In such cases, a low level of Business Interruption Insurance may be acceptable. Other businesses could be shut down completely for a long period of time, generating no revenues at all and face continuing, if not increased expenses. Your retained earnings and future profits would all be at risk of being consumed to keep you in business if you shut down after a major loss. These past and future earnings are all insurable.

Don’t risk having to commit your past and future success to paying continuing expenses while your business has been shut down by a major fire or windstorm.