Business Interruption Insurance Coverage Solutions with LMBF

Business interruption insurance coverage is a vital component of any BOP (business owner policy) as it stands to replace business income that is lost due to an insurable disaster that forces you to close temporarily. This commercial rider will cover most necessary expenses during the period of interruption, triggering when the business sustains a direct physical loss (or when a nearby business sustains loss and a civil authority closes all surrounding businesses) and ending when the business interruption period is over. Commonly, a standard policy will be valid for as long as 30 days but some endorsements may extend that period to up to 360 days. LMBF can help your business find the best business interruption insurance coverage to suit its needs. Discuss with a broker or apply for a free quote today.

What Disruption Insurance Covers



During a period of forced closure, your business interruption insurance policy will offer financial recourse for profits that would have been earned. This amount is calculated on your business’ previous month of performance.

Temporary Relocation

Temporary Relocation

Depending on the extent of the damages, your business may be forced to temporarily relocate. Your business interruption insurance policy may cover the costs involved with relocation, such as moving, rent, and operations.

Reasonable Expenses and Fixed Costs

Reasonable Expenses and Fixed Costs

Your business interruption insurance may include coverage for several costs that are involved with regular business operations, such as operating expenses, employee payroll, commission, taxes, loan payments, training costs, and so on.

  What business interruption insurance covers
  • Loss of income
  • Fixed costs
  • Ongoing bills
  • Reasonable expenses
  • Taxes
  What business interruption insurance excludes
  • Physical damages
  • Liability
  • Unnecessary expenses
  • Growth and expansion
  • Pandemics or viruses

What is business interruption insurance?

Business interruption insurance, or loss of income insurance, is a commercial insurance rider that is optional to include with your standard business insurance package that includes coverage for various expenses during a period of forced closure due to an insurable event. This may include expenses such as income (based on previous performance), employee wages, taxes, rent, civil authority, training costs, relocation costs, and loan payments. Business interruption insurance is sold as an add-on, so it cannot be purchased as a standalone policy.

Business Interruption Insurance for These Business Sectors:

Consider how you would handle an unexpected loss, or how your business could afford to reopen its doors following an unexpected disaster. Where your commercial property insurance may cover the cost of restoration, it would not not guarantee compensation for your ongoing costs or lost wages. This type of policy is vital for any business that wants to guarantee a swift recovery and the resources necessary to get back on its feet and back to business as soon as possible. See below for several examples of the businesses and sectors that may benefit from a business interruption insurance coverage endorsement.
Financial Industry


  • Commercial banks
  • Insurance brokerages
  • Financial advisors
  • Accountants & bookkeepers
More info
Real Estate Industry

Real Estate

  • Estate agents
  • Real estate developers
  • Property management
More info
Construction Industry


  • HVAC construction
  • Commercial construction
  • Residential construction
  • Demolition
  • Electrical installers
  • Highway construction
More info
Maintenance Industry

Personal Services

  • Garage repair shops
  • Autobody stores
  • Auto servicing
More info
Education Industry


  • Online courses
  • Driving schools
  • Primary education
  • Universities
More info
Manufacturing Industry


  • Metal manufacturers
  • Autobody part manufacturers
  • Chemical manufacturers
  • Food manufacturers
More info
Transportation Industry


  • Airlines
  • Freight road transportation
  • Courier companies
  • Railways
  • Trucking companies
More info
Organizations Industry


  • Chairities
  • Organizations
  • Fundraisers
More info
Agriculture Industry


  • Hobby farms
  • Commercial farms
  • Beef farms
  • CBD plantations
More info
Entertainment Industry


  • Bowling alleys
  • Amusement parks
  • Theatres
  • Arcades
  • Minigolf
More info
Healthcare Industry


  • Occupational therapists
  • Counselors
  • Massage therapists
  • Dentists
More info
Retail Industry

Retail Industry

  • Liquor retail
  • Grocery retailing
  • Furniture retailing
  • Garden supplies retailing
  • Auto parts retailers
More info
Hospitality Industry


  • Hotels and motels
  • Travel agents
  • Lodging agencies
More info
Publishing Industry


  • Printers
  • Publishers
More info
Personal Care Industry

Personal Care

  • Hair salons
  • Weight loss services
  • Nail spas
  • Dry cleaners
More info
Wholesale Distribution Industry

Wholesale distribution

  • Agricultural machinery wholesale
  • Audio and video equipment retailers
  • Bakery product wholesale merchants
More info
Professional Services Industry

Professional Services Industry

More info

Our Business Interruption Insurance partners

Business interruption insurance is a vital rider that most - if not all - businesses should consider. If you net income stream should halt unexpectedly due to a disaster, could you afford to take care of your ongoing wages until you were allowed to reopen? LMBF wants you to have the peace of mind you deserve and has partnered with some of the top business interruption insurance carriers around to ensure that you get the coverage you need. Get a business interruption insurance quote today to see just how affordable great protection can be.

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Want to Get Started on Your Loss of Business Income Insurance? Start with a Business Interruption Insurance Quote.

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Business Interruption Insurance: Frequently Asked Questions

A: Coverage largely depends on the exact wording of your policy, but for the most part a business interruption insurance plan will include coverage for loss of income, employee wages, ongoing rent and bills, taxes, loan payments, etc. Coverage is valid for the business interruption period, which is determined by your policy.

A: Business interruption insurance triggers when your business sustains a direct physical loss due to an insurable peril or as a result of a civil authority order. This type of coverage will pay out in the event that the loss is covered by your underlying business insurance policy and the amount that is payable will be calculated based on previous financial records.

A: Business interruption insurance premiums are dependent on the factors of your business, such as its size, its projected and annual revenue, its staff team, the service it provides/product it offers, industry, physical location and postal code, and so on.

A: With most standard business interruption insurance riders, employee payroll is considered a necessary expense and will be covered so long as the reason for the closure was due to an insurable event - like a fire, severe storm, etc.

A: Most businesses should consider purchasing business interruption insurance. If your business is devastated by a sudden disaster or loss, disruption insurance or business interruption insurance can help you cover the bills and expenses when your business is unable to generate an income and ensure you can stay afloat until you are able to reopen your doors again.

A: Business interruption insurance premiums are considered an ordinary business expense and is therefore tax-deductible. You can ordinarily deduct any commercial policy premiums that are incurred on property, machinery, operations, and equipment.