Skip to main content


Business Interruption coverage is optional coverage that may be purchased as part of Commercial Package Policy, a Businessowners Policy (BOP), or as a standalone policy. Business Interruption coverage usually will provide for loss of net income, as defined by the policy, and extra expenses incurred to return your business to normal operation. Business Interruption coverage may be covered on an “all risk” basis subject to exclusions or it may specifically list types of perils or causes of loss it covers. Business Interruption coverage is typically triggered if you have direct physical loss to covered property that leads to the business interruption – for example, a fire at your location that has caused you to suspend your business activities.

How do I know if I have Business Interruption coverage?

Are all Business Interruption policies the same?

Will my Business Interruption coverage pay for losses as a result of COVID-19?

What if my business is closed due to an order of the state or local government?

What should I do if I think I have Business Interruption coverage for lost business income as a result of the COVID-19 pandemic?

Why do most business interruption policies exclude coverage for viruses or communicable diseases like COVID-19?

I have already talked to my agent/company and still have questions or concerns. Can I contact the Department of Insurance?

If your question is not answered above, please submit your question directly to the DOI.