The Kane Insurance shield.

Business Income Insurance

Replace lost income if your business is forced to closed due to a loss.

Talk to an expert

What Does Business Income Insurance Cover?

Business income insurance is sometimes called business interruption insurance. It protects you when your business is forced to shut down because of a loss by helping to replace lost income. Coverage offered by your policy will vary, but these are some common protections.

Income Replacement

Business income insurance will help to replace profits that your business would have earned if it was able to operate. Property insurance replaces property. Income replacement coverage replaces income you create from the use of property.

Payroll and Employees Wages

Payroll and wage expenses often continue while your business is shut down. Business income insurance will help you meet your payroll commitments.

Mortgage and Rent Payments

Even when your business is closed, you are often responsible for paying its mortgage and rent. Business income insurance will pay for them while you work to return to normal operations.

Loan Payments

Loan payments are still due while your business is shut down. Business income will continue to make payments for you so that you don't default on a debt and retain a positive credit history.

What Does Business Income Coverage Exclude?

Exclusions can vary by policy. Generally speaking, these are some common exclusions.

Extreme Weather

Extreme weather events like hurricanes, tornados, floods, and earthquakes are excluded from business income coverage. However, these risks can be covered by different policies.

Viruses

Diseases and viruses, like the Coronavirus (COVID-19) are excluded from business income coverage, as are all pandemics.

Find an Agent

We deliver valuable expertise, research insurance solutions across the industry's top carriers, and analyze coverage options and pricing. Get the best protection and value for your business and its unique needs.

Talk to an expert
(603) 433-5600
(603) 379-8600
(207) 358-7408
(978) 225-7933
The Kane Insurance shield.
© 2021 Kane Insurance LLC
crossmenu