Koosh Insurance · Property & Construction
Business Interruption / Loss of Income
Business interruption covers what property insurance doesn't: the income you lose while you're closed for repairs after a covered loss. For most businesses, the lost-income exposure dwarfs the property damage itself — and it's the coverage most often under-bought or skipped entirely.
Coverage
What this coverage includes
- Lost net income during the period of restoration following a covered property loss
- Continuing operating expenses — rent, payroll, loan payments, utilities — that don't stop when revenue does
- Extra expense to relocate temporarily or operate at reduced capacity to minimize the income loss
- Civil authority coverage when access to your property is blocked by a government order following a nearby covered loss
- Service interruption when utility or supplier failure caused by a covered peril shuts you down (often by endorsement)
- Extended period of indemnity that continues coverage past reopening, while revenue rebuilds back to normal
Who Buys This
Who typically buys this coverage
- Restaurants and hospitality — high fixed costs, slim margins, no business if doors are closed
- Retailers — inventory and seasonality drive significant exposure
- Manufacturers — production disruption cascades to customer commitments and contractual penalties
- Professional offices — payroll continues whether or not the office is operational
- Any business with leased space, staff, and recurring revenue — i.e., almost every commercial client
Why Koosh
Why Koosh Insurance
Business interruption is where claim disputes happen. Carriers frequently push back on lost-income calculations, period of restoration, and continuing-expense definitions. Getting the policy structured correctly before the loss is the only way to get paid correctly after it.
Income worksheet built carefully — we'd rather take 30 extra minutes at quote than have an under-insurance argument at claim time.
Extended period of indemnity included by default — reopening doesn't mean revenue is back, so we default to 90- or 180-day extensions.
Contingent and supply-chain endorsements — for clients with concentration risk, structured to include critical suppliers and customers.
Coordination with property and cyber — both can trigger business interruption, and we make sure the two don't gap or duplicate.
Claims advocacy — when the claim happens, we work the lost-income calculation with you and the adjuster.
FAQ
Frequently asked questions
This page provides general information about Business Interruption / Loss of Income insurance and is not a substitute for tailored advice from a licensed insurance broker. Coverage availability, terms, exclusions, and pricing depend on your specific business operations, location, claims history, and carrier underwriting. Contact a Koosh Insurance broker for a personalized consultation. Koosh Insurance — License #L135215.
Get a quote for Business Interruption / Loss of Income
Talk to a licensed Koosh broker. We'll review your specific situation, source quotes from appropriate carriers, and walk you through the coverage that actually fits your business.