Business Interruption Insurance
Also known as Business Income Insurance
Protect Your Income During the Unexpected

Income Protection for Your Business During Disruption

Business income insurance (also known as business interruption or loss of income coverage) replaces lost revenue and helps pay key expenses if a covered event-like fire, storm, or pipe burst-shuts down your business. The coverage for ongoing expenses (like payroll, rent, or loan payments) helps your business recover from being shut down. Let Gateway help protect your business from an unforeseen shut down.

Key Protections: Income, Payroll, and Fixed Costs

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Business Income Coverage

Coverage for lost profits, income and ongoing expenses (like rent, loan payments, and payroll) while your business is being restored after a covered loss.

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Extra Expense Coverage

Coverage for additional costs you incur to resume reopening as soon as possible or at least reduce the downtime (temporary space, rental equipment, overtime pay).

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Payroll Coverage

Helps cover continuing payroll for key employees during a shutdown (limits and terms vary by carrier).

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Period of Restoration

The time coverage applies, starting after a loss and ending when operations resume (policy details set the timeline).

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Civil Authority Coverage

Applies when government orders force closure/access loss due to nearby property damage (subject to policy terms).

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Contingent Business Interruption 

Can cover losses tied to supplier or customer locations if they're damaged.

Understand Exclusions & Limitations

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Coverage typically requires physical property loss (fire, wind, water) as the trigger

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Government shutdowns, pandemic orders, or power outages (unless directly caused by covered peril) may be excluded

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Supply chain interruptions only covered if you add contingent coverage and meet trigger requirements

What You'll Need for a Quote

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Recent business financials (profit/loss, revenue history)

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Payroll records and key employee lists

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Rent/loan payment schedules

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Inventory lists (if extra expense applies)

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Restoration period estimates (Gateway helps review options and limits)

Gateway can walk you through what is needed for quoting, the required paperwork, and ongoing policy reviews, so if a disaster strikes and your business is forced to shut down, you’re prepared.  

Why Businesses Need Business Income Coverage

Whether you run a retail shop, office, service business, or light industrial operation, If there is a forced shutdown, or civil authority orders the roads closed, this can stop your operation fast. Don't wait until the "what-if" becomes reality. Gateway Insurance can help you before any distribution happens.

Business Interruption Insurance-Questions Answered

  • What does business interruption insurance cover?

    Lost income, payroll, rent/loan payments, and extra expenses after a covered loss-subject to policy wording.

  • Is business interruption the same as business income coverage?

    Yes-these terms are often used interchangeably.

  • Does business income insurance cover payroll and rent?

    Yes-these are primary fixed costs included in most policies.


  • How much business income coverage should I carry?

    Enough to cover lost revenue and key expenses during downtime-Gateway helps you calculate based on your financials.

  • What's the difference between business income and extra expense?

    Business income covers lost profits and regular bills; extra expense covers added costs to resume reopening.

Protect Your Revenue-Business Income Coverage That Fits

Protect your business's income and future from an unforeseen shut down. Let Gateway Insurance explain your options, give you the limits available and we’ll be here to help service your policy if there is a claim.