Business Interruption vs Business Income Coverage?
Business-interruption and business-income coverage usually refer to the same protection for eligible income loss after a covered interruption.
The policy wording, not the label, determines its trigger and limits. Both terms generally refer to insurance for certain financial losses when operations are suspended after a covered property loss. The payment is governed by the actual insuring agreement and definitions, not the label on a quote. Some packages may use “business income” for a defined coverage part and provide separate extensions such as extra expense or civil authority.
Compare the form number and wording, covered trigger, income calculation, waiting period, restoration period, limits, and exclusions. Confirm whether extra expense and dependent-property extensions are part of the quoted coverage or separate options.
