---
title: "What Insurance Covers Lost Business Income?"
description: "Business-income coverage may replace defined lost income and continuing expenses after covered property damage causes a shutdown."
canonical: "https://spot.insure/insurance-faq/what-insurance-covers/lost-business-income"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# What Insurance Covers Lost Business Income?

Business-income coverage may replace defined lost income and continuing expenses after covered property damage causes a shutdown.

The payout usually depends on covered physical damage and the restoration period, not simply on lost sales. The policy defines how lost net income and continuing expenses are calculated.

Check the damage trigger, waiting period, restoration period, expense definitions, limits, and sublimits. Ask how a partial shutdown or damage at a supplier is treated.

## Related Questions

- [What Insurance Covers Supply Chain Interruption?](https://spot.insure/insurance-faq/what-insurance-covers/supply-chain-interruption)
- [What Insurance Covers Equipment Breakdown?](https://spot.insure/insurance-faq/what-insurance-covers/equipment-breakdown)
- [What Insurance Covers Spoiled Inventory?](https://spot.insure/insurance-faq/what-insurance-covers/spoiled-inventory)
- [What Insurance Covers Employee Theft and Embezzlement?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-employee-theft)

## Related Coverage

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

## Sources

1. [Business Interruption Insurance/Businessowner’s Policies (BOP)](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop). National Association of Insurance Commissioners; Business Interruption; Contingent business interruption; Commercial Property. Accessed 2026-09-25.
2. [Protecting your business against contingent business interruption and supply chain disruption](https://www.iii.org/article/protecting-your-business-against-contingent-business-interruption-and-supply-chain-disruption). Insurance Information Institute; Limits of contingent business interruption insurance; Broader supply chain coverage. Accessed 2026-09-25.

More answers: [What Insurance Covers FAQ](https://spot.insure/insurance-faq/what-insurance-covers).

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