---
title: "Does Builders Risk Cover Business Interruption?"
description: "NAIC defines business interruption as lost income resulting from property damage to a business facility."
canonical: "https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-business-interruption"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Does Builders Risk Cover Business Interruption?

NAIC defines business interruption as lost income resulting from property damage to a business facility.

NAIC defines business interruption as lost income resulting from property damage to a business facility. The ISO builders risk specimen excludes consequential loss, while Oregon describes optional soft-cost coverage for selected costs after covered damage. A construction delay can cause financing, lease, or income effects that are not automatically paid by a property policy. Check the endorsement’s named expenses, covered physical-loss trigger, time deductible, maximum period, and limit. Ask whether a separate commercial property policy is needed once the building is occupied. Once the building is occupied, a commercial property policy may offer business-income coverage after a covered loss, subject to its own trigger and waiting period. That is different from a construction delay endorsement. Ask which policy responds before and after handover, whether the project must suffer direct physical damage, and how the coverage period, limit, and scheduled income are calculated.

## Related Questions

- [Does Builders Risk Cover Debris Removal?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-debris-removal)
- [Does Builders Risk Cover Cleanup?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-cleanup)
- [Does Builders Risk Cover Landscaping?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-landscaping)
- [Does Builders Risk Cover Liability?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-liability)

## Related Coverage

- [Builders risk](https://spot.insure/coverage/builders-risk)

## Sources

1. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Business Interruption; Commercial General Liability; Contractor Equipment Floaters; Allied Lines. Accessed 2026-09-25.
2. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; IH 00 70 05 17, A.1.c and A.2 pp. 1–2; A.3 and A.4 pp. 2–5; A.5 and A.6 pp. 5–8; B.2–3 pp. 10–11; C–E pp. 12–13; copyright 2017, illustrative specimen. Accessed 2026-09-25.
3. [Insurance Clauses – Builders Risk](https://www.oregon.gov/das/risk/pages/insclausesbldrsrisk.aspx). Oregon Department of Administrative Services; Builders Risk: Clause, When do they apply?, Notes, Additional Information; Builders Risk Installation Floater. Accessed 2026-09-25.

More answers: [Builders Risk Insurance FAQ](https://spot.insure/insurance-faq/builders-risk).

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