Business Interruption Insurance
If a fire, storm or other covered loss forces you to close, the bills don’t stop. Business interruption insurance, also called business income coverage, replaces lost profits and pays ongoing expenses like rent, loans and payroll while you rebuild. Pacific Southwest Insurance Services helps you choose limits that match how long recovery would really take.
Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.
Who We Insure
Our business interruption clients include:
- Restaurants and retail stores
- Manufacturers and warehouses
- Professional offices
- Landlords (loss of rents)
- Service businesses
- Any business that would lose income after a closure
Coverage Options
- Business income: Replaces net income you would have earned.
- Continuing expenses: Pays rent, loan payments, utilities and payroll during a closure.
- Extra expense: Pays for temporary locations, rented equipment and overtime to reopen faster.
- Civil authority: Covers lost income when authorities block access to your business after nearby damage.
- Contingent business income: Covers losses when a key supplier or customer has a covered loss.
- Extended period of indemnity: Continues coverage while your business ramps back up after reopening.
What Affects Your Premium
Every property is different. Carriers typically look at:
- Annual revenue and profit margins
- How long it would take to rebuild
- Seasonality of your business
- Payroll you’d need to keep
- Backup locations or suppliers
- Waiting period chosen
As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.
Why Choose Pacific Southwest Insurance Services
- Family-owned and serving California since 1965, now writing coverage nationwide
- Access to multiple commercial property carriers, including markets for hard-to-place risks
- Fast certificates of insurance and lender evidence of property
- One agency for your property, general liability, commercial auto, bonds and more
- A real person answers the phone and knows your account
Frequently Asked Questions
Is business interruption a separate policy?
It’s usually added to your commercial property policy. It only applies when the loss is caused by covered physical damage.
How much coverage do I need?
Think about how long it would take to rebuild and reopen, then estimate lost income and expenses for that period. We can walk through a worksheet with you.
Does it cover a pandemic shutdown?
Generally no. Most policies require physical damage and exclude viruses.
Other Properties We Insure
- Office Building Insurance
- Retail Store & Strip Center Insurance
- Apartment Building Insurance
- Warehouse & Distribution Center Insurance
- Industrial & Manufacturing Building Insurance
- Mixed-Use Building Insurance
- Medical & Dental Office Insurance
- Self-Storage Facility Insurance
- Vacant Building Insurance
- Builder’s Risk Insurance
- Restaurant & Bar Property Insurance
- Contractor Shop & Yard Insurance
- Auto Repair & Body Shop Insurance
- Hotel & Motel Insurance
- Church & House of Worship Insurance
- Gas Station & Convenience Store Insurance
- Salon, Barbershop & Spa Insurance
- Gym & Fitness Studio Property Insurance
- Daycare & School Insurance
- Dry Cleaner & Laundromat Insurance
- Landlord & Rental Property Insurance
- Business Tenant Insurance
- HOA & Condo Association Insurance
- Commercial Real Estate Investor Insurance
- Commercial Earthquake Insurance
- Equipment Breakdown Insurance
- Commercial Flood Insurance
- Inland Marine & Contractor’s Equipment Insurance
Don’t see your property type? We insure most commercial properties. See all commercial property coverage.
Get a Business Interruption Insurance Quote
Tell us about your property and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.