Business interruption (BI) insurance starts when your business cannot operate as a result of a loss that is covered under your property policy. The property may have suffered a fire or other loss and operations must be shut down at that location.

BI covers the expenses that you incur to ensure that the business continues to earn profits as if there had been no loss. Coverage begins from the time of the loss and continues until the time that the business is back up and running at its pre-loss state.  This time is determined at the inception of the policy, and may be from a minimum of 6 months to as much as 36 months from the date of the loss.