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Contingent Business Interruption Insurance


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Contingent Business Interruption Insurance

What is Contingent Business Interruption Insurance?

Occasionally unforeseen circumstances will force your business to temporarily close causing significant financial hardship to your company.  A Contingent Business Interruption Insurance policy from Quote Liability is here to assist you through times like these.  While a Commercial Property Insurance policy might pay to rebuild the physical building site of your business, a Contingent Business Interruption Insurance policy with Quote Liability goes far beyond that.

What events would a Contingent Business Interruption Insurance Policy cover?

  • Fire
  • Lightning
  • Civil Authority
  • Windstorms (except along the Gulf Coast)
  • Theft
  • Vandalism
  • Aircraft
  • Vehicles

How Contingent Business Interruption Insurance Works

Contingent Business Interruption Insurance will compensate you for lost income and certain operating expenses if your business is forced to close and vacate the premises because of a loss covered in your policy. Payments typically begin 24 to 48 hours after the loss occurs or after you pay a deductible.  Your business will only receive payments if the property is damaged or destroyed by a risk or peril covered by the policy language.

Most Commercial Property Policies exclude flood coverage. If you bought separate policies for flood or windstorm coverage, ask your agent which of these policies include Contingent Business Interruption Insurance coverage.

Contingent Business Interruption Insurance coverage usually does not include losses from earthquakes, weather-related evacuations,  disease pandemics, terrorism, or loss of electricity (or other utilities) not directly resulting from damage to your property.  Quote Liability can help you understand what your business’ policy does and does not cover, as well as your specific policy dollar limits.  Please review your Quote Liability Contingent Business Interruption Insurance policy carefully or contact your Quote Liability agent if you need assistance.

Types of Coverage

Generally, there are four types of coverage that are associated with Contingent Business Interruption Insurance coverage.  A Quote Liability agent can help you determine which type of coverage will be best for your business:

  • Business Income:  Business income is net profit or loss before taxes and continuing normal operating expenses, including payroll. The amount of the payment your business would receive is determined by previous sales volumes and expenses based on the business’ financial records.
  • Extra Expense:  Extra expenses are those that go above and beyond your normal monthly expenses and are expended to restore a business, at either the original or at a temporary location. This coverage can also be purchased alone and could provide sufficient coverage without purchasing Contingent Business Interruption Insurance coverage.
  • Contingent Business Interruption Insurance:  This coverage compensates you for any income your business might lose due to property loss or damage at either a supplier’s or customer’s location. For example, this coverage would pay you for lost income if you own a bakery shop and your main baking ingredient supplier’s business location suffers fire damage.
  • Civil Authority:  This coverage would pay for loss of income or extra expenses as a result of the Government denying you access to your business due to a covered loss at a location owned by someone else.

The Lowest Contingent Business Interruption Insurance Rates!