If a burst pipe floods your retail store or a fire shuts down your restaurant's kitchen, repairs could take weeks or even months. While you're trying to rebuild, your business is still going to be responsible for meeting payroll, rent payments, and utilities, even though your income has come to a standstill.

Can your business survive weeks or a month without revenue? That's where Business Interruption Insurance steps in. Discover why Business Interruption Insurance should be part of your company's Commercial Insurance portfolio, and how Aegis Insurance & Financial Services can help you secure this important policy.

What Is Business Interruption Insurance?

Business Interruption Insurance helps cover lost income and operating expenses if your business has to temporarily shut down due to a covered event like fire, storm damage, or vandalism. This gives your business the finances needed to make a faster, complete recovery and minimize downtime.

This coverage is not standalone policy but is typically part of a Business Owners Policy (BOP) or added as an endorsement. Although Commercial Property Insurance will pay for physical damage to your business property, Business Interruption Insurance covers the income you lose because you can't operate.

What Does It Cover?

• Lost Revenue and Profits
Covers the profits your business would have earned during the shutdown.

• Operating Expenses
These include rent, utilities, and credit card payments, which are still due even when your business is temporarily closed.

• Taxes and Loan Payments
These obligations don't stop for disasters—and your policy can help keep you current.

• Employee Wages
Helps keep your staff paid so you don't lose key people during downtime.

• Temporary Relocation Costs
If you can move operations temporarily, some policies help cover that too.

Common Misconception: "It Won't Happen to Me"

A lot of small business owners, particularly new ones, skip business interruption insurance because they think:

• "I'm careful, nothing will go wrong."
• "Commercial Property Insurance is enough."
• "I'll figure it out if something happens."

Unfortunately, unexpected shutdowns happen all the time, and not just from fires or storms. These can include:

• Power outages that damage equipment
• Break-ins that force a temporary closure
• Building issues that require you to vacate

You don't need a major disaster to lose a week of income.

Get Peace of Mind with Business Interruption Insurance

Business Interruption Insurance gives you breathing room when something unexpected hits. It can't stop problems from happening to your company, but it can keep one bad week or disaster from becoming the end of your business.

Aegis Insurance & Financial Services is dedicated to supporting small businesses across Texas by offering reliable, comprehensive Commercial Insurance coverage that meets needs at competitive rates. Call us today at 713-850-7622 to learn if your current policy includes Business Interruption Coverage, or how you can get it added to your portfolio today.