What is business interruption insurance?

Business interruption insurance replaces lost income and covers ongoing expenses when your business is forced to close due to a covered disaster like fire, flood, or storm damage.

How much business interruption coverage do I need?

Most businesses insure for 6–12 months of net income plus fixed operating expenses. Use this calculator to estimate your coverage gap and monthly loss exposure.

What does business interruption insurance pay for?

It covers lost net income, fixed expenses (rent, utilities, loan payments), temporary relocation costs, and sometimes extra expenses to speed up recovery.

Business Interruption Insurance Calculator

Your Numbers

Monthly revenue (average)

Fixed monthly expenses (rent, utilities, loan payments, payroll you must keep)

Estimated recovery time (how long to reopen after a major loss)

Industry (affects recovery time estimate)

Current cash reserve (optional — to see how long it covers you)

Results

Enter your monthly revenue and expenses to see your coverage recommendation.

Business Interruption Coverage Estimate

Recommended coverage amount
Revenue + expenses × recovery period × 1.2 buffer

Estimated annual premium

Monthly premium cost

Business interruption insurance covers lost revenue and ongoing fixed expenses during a covered closure — it does not replace physical assets. Most policies have a 72-hour waiting period before coverage kicks in.

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This calculator is for informational purposes only. Results are estimates based on the inputs you provide. Consult a qualified financial professional before making business decisions.