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Fire & Water - Cleanup & Restoration

When Fire Closes Your Doors: Business Interruption Insurance

8/12/2019 (Permalink)

Business interruption insurance is valuable and necessary when your business is affected by fire

If you've never thought about the financial losses that would follow a commercial fire, you may want to spend a few minutes asking yourself the following questions:

  • Can you continue operating after a fire?
  • How can you keep your customers satisfied while your primary business place is closed?
  • Can you afford to shut down for a few days or weeks or longer?
  • Is there a way to prepare for emergencies, such as fire damage?


Business interruption insurance coverage is the answer too many of the problems that come with emergencies. This type of coverage can help you prepare for lost business days due to severe weather, flooding, fire, and other crises.

What's at Risk?

The more you know about how business interruption coverage works, the better able you'll be to prepare for emergencies. For example, did you know that fires are some of the most common and expensive catastrophes to affect businesses? The damage may be extensive, and the losses due to being closed down for repairs and fire restoration can quickly add up.

How Will You Recover?

If you don't want your customers looking elsewhere for goods and services, you may need to set up a temporary location. If this isn't an option, you may want to establish some type of communication system to keep customers apprised of your recovery efforts. Either way, interruption insurance coverage may provide necessary resources to help your Black Canyon City, AZ, recover.

What Does Insurance Cover?

Business interruption coverage is separate from the coverage you have for direct property losses. If you have a good policy, it may cover

  • Lost sales and revenue attributed to the fire
  • Evacuation and temporary relocation costs
  • Costs of running utilities to your damaged property
  • Rent payments for the damaged building


Work closely with insurance agents, fire damage restoration professionals, contractors, fire department officials, municipal authorities, and others to maintain open communication and a consistent flow of information.

Interruption insurance is a valuable and necessary factor of protection when your business is affected by fire. Get as much information as you can regarding the available interruption coverage.

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