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.
Business Interruption (BI) coverage — also called Business Income coverage — replaces the income you lose and pays the fixed expenses that keep running when a covered loss forces you to close. A fire, major storm, or equipment failure doesn't just damage your building; it can shut your doors for months while you rebuild, all while payroll, rent, and loan payments keep coming due.
Most business owners assume their property insurance has them covered if disaster strikes. In reality, a standard property policy only pays to repair or replace what was physically damaged — it does nothing for the revenue you lose while you're closed. Without BI coverage, that lost income comes entirely out of your pocket, often right when cash flow matters most.
Most policies default to a 12-month restoration period, but major rebuilds frequently take 18-24 months. If your coverage runs out before you reopen, you're on your own for the remaining months.
This estimator factors in your real revenue, continuing expenses, and recovery timeline to recommend a coverage limit — then compares it against what your current policy actually provides.
BI coverage replaces lost net income plus continuing expenses — costs that keep running even when your doors are closed. Enter your annual amounts.
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.