---
title: "Does Business Interruption Cover Lost Revenue?"
description: "It may cover lost business income after a covered shutdown, but the policy usually calculates net income and continuing expenses rather than gross sales alone."
canonical: "https://spot.insure/insurance-faq/business-interruption/does-business-interruption-cover-lost-revenue"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Does Business Interruption Cover Lost Revenue?

It may cover lost business income after a covered shutdown, but the policy usually calculates net income and continuing expenses rather than gross sales alone.

It may cover lost business income after a covered shutdown, but the policy usually calculates net income and continuing expenses rather than gross sales alone. The trigger and restoration period also limit payment. “Revenue” in ordinary speech is not necessarily the policy’s payment measure: the form may deduct expenses that do not continue and account for continuing operating costs. The amount also depends on the covered trigger and restoration period.

Check the policy definition of business income, documentation requirements, limit, waiting period, and method for projecting results. Gather pre-loss financial statements and records of saved expenses. Ask whether extra expense is included and how partial operations or a temporary site affect the loss calculation.

## Related Questions

- [What Is Business Interruption Insurance?](https://spot.insure/insurance-faq/business-interruption/what-is-business-interruption-insurance)
- [What Doesn’t Business Interruption Cover?](https://spot.insure/insurance-faq/business-interruption/what-business-interruption-does-not-cover)
- [Does Business Interruption Cover Payroll?](https://spot.insure/insurance-faq/business-interruption/does-business-interruption-cover-payroll)
- [Does Business Interruption Cover Rent?](https://spot.insure/insurance-faq/business-interruption/does-business-interruption-cover-rent)

## Related Coverage

- [Commercial property](https://spot.insure/coverage/commercial-property)

## Sources

1. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; Commercial property; Business interruption; Contingent business interruption. Accessed 2026-09-25.
2. [FAQ on business interruption insurance and other issues affecting California small businesses](https://www.insurance.ca.gov/01-consumers/140-catastrophes/FAQ-on-Business-Interruption-Insurance.cfm). California Department of Insurance; Business interruption trigger; COVID-19 income loss; policy exclusions; civil authority. Accessed 2026-09-25.
3. [What Business Income Loss Coverages Are Out There? Learn the Endorsements That Can Help with Lost Business Income](https://content.naic.org/article/small-business-insight-what-business-income-loss-coverages-are-out-there-learn-endorsements-can-help-lost-business-income). National Association of Insurance Commissioners; Top Considerations; Things You Should Know: business income, extra expense, service interruption, contingent business interruption, civil authority. Accessed 2026-09-25.
4. [Commercial Property and Business Income Coverage Forms in SES sample policy](https://www.ses-ins.com/media/gemhgbdl/ses_sample-policy_ces_042025-3.pdf). Insurance Services Office, Inc.; sample hosted by SES Insurance; CP 00 10 10 12, printed pp.1–16 / PDF pp.7–22: A.1 Covered Property, A.2 Property Not Covered, E.1.b Property of Others, E.1.e Outdoor Property; CP 00 30 10 12, printed pp.1–9 / PDF pp.22–30: Business Income definition, trigger, coinsurance and restoration period. Accessed 2026-09-25.

More answers: [Business Interruption Insurance FAQ](https://spot.insure/insurance-faq/business-interruption).

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