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Home » Business Insurance » Business Interruption Insurance in Virginia

Business Interruption Insurance in Virginia

Temporary closures of your business can be costly. During these situations, you may lose revenue while having to stay current with ongoing costs. Business interruption insurance can provide essential financial assistance if your operations have to pause due to an event covered by your policy.


The Academy Insurance Agency Inc. team in Leesburg, Virginia, can help you secure the insurance you need. Reach out to us today to get started.


What Is Business Interruption Insurance?

Business interruption insurance, or business income insurance, is a type of commercial insurance that can provide financial protection against losses resulting from business shutdowns. It can also supplement your other commercial insurance policies to help you build a comprehensive insurance portfolio. Business interruption insurance may be available as part of a business insurance package along with commercial property insurance and general liability insurance.


What Is Business Interruption Insurance Primarily Designed to Cover?

Business interruption insurance can help pay for several costs related to a temporary closure of your operations caused by a covered event (e.g., property damage from fire, wind or lightning). Common losses and expenses it can cover include:

  • Lost revenue
  • Standard operating expenses, such as:
  • Salaries
  • Utilities
  • Taxes
  • Mortgage, lease or rent payments
  • Relocation costs


There are several types of business interruption insurance, and other coverages may be available. Work with your agent to discuss options, exclusions and limits. We can also provide more information on when coverage takes effect after a covered event and how long coverage lasts (i.e., the restoration period).


How Much Business Interruption Insurance Do I Need?

Each business’s insurance needs are unique. When you are assessing your needs, you can consider several factors, such as how long it would take to recover after a shutdown, your gross earnings and projections and your ongoing expenses. Our agents can consult with you to help ensure you are adequately covered.


How Much Is Business Interruption Insurance?

The cost of business interruption insurance varies. Variables such as your industry, location and selected amounts of coverage can impact premiums. Contact us today for a business interruption insurance quote.


Contact Us

The knowledgeable professionals at Academy Insurance Agency Inc. can help you secure a business interruption policy that meets your needs. Contact us today for more information.