Business Interruption Insurance
Business Interruption Insurance is designed to replace lost income and cover ongoing expenses when a covered event forces a business to pause or limit operations. While property insurance repairs the physical damage, this coverage focuses on the financial impact of downtime.
Coverage That Protects Income, Not Just Property
Business Interruption coverage works behind the scenes to protect cash flow and financial stability during unexpected shutdowns.
Lost Business Income
Replaces income the business would have earned if operations had continued as normal.
Ongoing Operating Expenses
Covers essential costs like rent, utilities, loan payments, and insurance premiums during the interruption.
Payroll Protection
Helps businesses continue paying employees so teams can stay intact through recovery.
Extra Expense Coverage
Pays for temporary solutions such as relocating operations or expediting repairs to reopen sooner.
Insurance Unlimited Benefits
Local Expertise
We understand life in the West and the risks that come with it. From mountain roads to sudden storms, our team knows how to match coverage to the realities of our communities.
Personal Relationships
Insurance is not one size fits all. We take the time to get to know you, your family, or your business so your coverage reflects what matters most.
Trusted Support
When the unexpected happens, you will have a partner who stands with you. Our agents are here to guide you through claims, answer questions, and provide peace of mind every step of the way.
Small & Mid-Sized Business Owners
Retail shops, restaurants, offices, and service providers rely on steady income. This coverage helps them survive temporary closures without permanent financial damage.
Property-Dependent & Local Operations
Businesses tied to a physical location, specialized equipment, or foot traffic benefit from protection against disruptions they cannot easily work around.
Coverage Built for Businesses That Can’t Afford Downtime
For many businesses, closing the doors even temporarily can mean lost revenue, disrupted staff, and delayed recovery. This coverage helps bridge the financial gap so operations can resume without unnecessary strain.
Real Stories from
Our Community
We’re proud to protect what matters most to our neighbors. These real stories from real clients reflect the trust, service, and peace of mind that define Insurance Unlimited.
Frequently Asked Questions
Your success is at the heart of everything we do. As trusted insurance agents, we’re here to provide clear answers and expert guidance, helping you navigate challenges, uncover opportunities, and achieve lasting growth.
What events trigger Business Interruption coverage?
Coverage typically applies when a business must close due to a covered property loss such as fire, storm damage, or vandalism. The triggering event must be included in the underlying property policy.
How long does Business Interruption Insurance pay benefits?
Coverage usually lasts for the period of restoration, meaning the time it reasonably takes to repair or replace damaged property and resume operations, subject to policy limits.
Is Business Interruption Insurance included automatically?
It is often included as part of a Business Owners Policy (BOP) or commercial property policy, but limits and options vary. An independent agent can help ensure the coverage matches the business’s true exposure.
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Protect your home, your business, and your future. With Insurance Unlimited, you’re covered every step of the way, from plains to peaks.
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