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Commercial Property Tool

Business Interruption
Coverage Estimator

Find out how much Business Income coverage you actually need — based on your real revenue, expenses, and how long it would take to rebuild after a loss.

Step 1Revenue
Step 2Expenses
Step 3Recovery
Step 4Results
Annual Revenue
Annual Gross Revenue ?Total revenue before any expenses
Your total gross sales or income for the year.
$
Business Type ?Affects typical recovery time estimates
What type of business do you operate?
Revenue Seasonality
Does your revenue vary significantly by season?
Fairly even year-round
Moderate swings
Highly seasonal
Continuing vs. Non-Continuing Expenses

BI coverage replaces lost net income plus continuing expenses — costs that keep running even when your doors are closed. Enter your annual amounts.

Payroll ?Wages & salaries you'd continue paying key staff
Staff you'd keep on during closure.
$
Rent / Mortgage ?Annual rent or mortgage payments on your location
Facility costs that continue regardless.
$
Loan Payments ?Business loan or equipment financing payments
Fixed debt obligations that continue.
$
Utilities (Continuing) ?Minimum utility costs even while closed
Estimated base utilities during shutdown.
$
Insurance Premiums ?Your own insurance costs that keep running
Your insurance premiums that continue.
$
Other Fixed Costs ?Any other costs that can't be stopped during closure
Any other unavoidable fixed expenses.
$
Recovery & Restoration Period

The restoration period is how long it would realistically take to rebuild, reopen, and return to normal revenue. Most policies offer 12 months — but many businesses need more.

Estimated Restoration Period
How long to fully rebuild and resume normal operations?
12 months
3 mo12 mo24 mo36 mo
Current BI Coverage Limit ?Check your policy declarations page under Business Income or Time Element
What does your current policy actually cover? (Enter 0 if none)
$0
$0$500K$1M$2M
Extra Expense Coverage
Would you incur extra costs to stay operational during a loss? ?e.g. temporary location, expedited shipping, equipment rental
Minimal (<$10K)
Moderate ($10K–$50K)
Significant ($50K+)
Coverage Timeline
Your Estimated Exposure vs. Current Coverage — Month by Month
Covered by current policy
Uncovered exposure gap
Beyond restoration period
Your Numbers
Recommended BI Coverage
—
Monthly Income Exposure
—
net income + continuing expenses
Coverage Gap
—
vs. your current policy
Annual Net Income
—
revenue minus all expenses
Total Continuing Expenses
—
annual fixed costs to cover
Restoration Period
—
your estimated recovery time
How Your Recommended Limit Was Calculated
Annual gross revenue —
Less: non-continuing expenses —
Annual net income + continuing expenses —
Monthly BI exposure —
× Restoration period —
+ Extra expense allowance —
+ Seasonality buffer —
Recommended BI Coverage —
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This tool provides estimates for educational and planning purposes only. Actual BI coverage needs vary based on policy form, endorsements, and carrier guidelines. Consult a licensed commercial lines agent to determine the right coverage for your business.