If disaster closed your doors, would your income be covered?
Business interruption is the coverage owners assume they have. CoverageIQ confirms whether you actually do.
Analyze my policyProperty coverage rebuilds the building. Business interruption coverage replaces the income you lose while it's being rebuilt — and the two are not the same. Many owners discover after a loss that their interruption limit is too low, that a waiting period delays payment, or that the coverage hinges on the loss being a covered property peril in the first place. The lost-income gap is often larger than the property damage itself.
What CoverageIQ checks for you
- Whether business interruption / business income coverage is present at all
- The waiting period before lost-income coverage kicks in
- The indemnity period — how long lost income is actually paid
- Extra-expense coverage for operating temporarily elsewhere
- Contingent business interruption for losses at a key supplier or customer
See exactly what your policy covers
Know your indemnity period and waiting period now — not when revenue has already stopped.
Analyze my policyNo agent · No sales call · Minutes, not days
Frequently asked questions
What does business interruption insurance cover?
It replaces income your business loses when a covered property loss forces you to suspend operations, plus continuing expenses like payroll and rent. Some policies add extra-expense coverage for the cost of operating from a temporary location. It typically requires a covered physical loss to trigger.
What is the waiting period on business interruption coverage?
A deductible expressed in time — often 48 to 72 hours — that must pass after the loss before income coverage begins. Losses during the waiting period aren't paid, so a short closure may recover little. CoverageIQ identifies your waiting period and indemnity limit.
How long does business interruption coverage pay?
For the indemnity period defined in your policy — the time it's expected to take to restore operations, sometimes capped at a number of months. If recovery runs longer than your indemnity period, the remaining lost income is uncovered.
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