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1. Business
Interruption Insurance
“Build your own dreams or someone will hire you
to build theirs” — Farrah Gray

2. • According to U.S Bureau of Labor Statistics,
about 10.3 million people are expected to be self-
employed by the year 2026.
• But what about the hurdles? There are
many obstacles that you need to overcome as a
businessperson.

3. What Is Business Interruption Insurance?
• Business interruption insurance helps you cope
with loss of income if your business shuts down
temporarily due to unforeseeable events.
• Business interruption insurance isn’t a stand-
alone policy; you get it as an added endorsement to
a business owners policy.

4. What Does Your Business Interruption Insurance
Policy Cover?
A standard business interruption
insurance policy includes the following:
• Lost income
• Expenses
• Relocation
• Technological barriers
• Taxes
• Wages

5. Which Businesses Need Business
Interruption Insurance?
Every business could benefit from a BI policy. But
here are some businesses which MUST have it:
• Landscaping business
• Photography business
• Food/restaurant business
• Candle business
• Construction business
• Any startup

6. Some Things Your Homeowners Insurance Will Not
Cover​
Not typically included in standard home insurance are: ​
• Natural disasters​
• Pets​
• Cars​
• Commercial property​

7. Insurance Companies That Provide BI Insurance
Insurance
Company
Key Feature
Nationwide Best in customer satisfaction.
State Farm Customizable polices for restaurant/food
businesses.
Travellers Wider range of coverage against various
perils.
Farmers Insurance All basic business policies include BI policy.
The Hartford Best for businesses which have a lot
of costly equipment.

8. Factors Determining The Cost Of Premiums
• Business location
• Claim history
• Business size and type
• Safety measures of the business

9. Make sure you have a good protocol to protect your business. Invest in business
interruption insurance today by contacting our seasoned agents.