Business Income Insurance

Business Income Insurance, also known as Business Interruption Insurance, is a type of insurance designed to help businesses recover financially if they experience a loss of income due to a covered peril such as fire, natural disasters, or other unforeseeable events. This insurance typically covers lost revenue and operational expenses that occur during the period of interruption or downtime. It is meant to supplement other policies like property insurance or general liability insurance that do not cover business interruption.

What is Business Income Insurance?

If your Colorado business were to incur loss due to a disaster covered by the policy such as fire, natural disasters or other uncontrollable or unforeseeable events, business income insurance will cover loss of revenue and operational expenses that occur during the period when you are unable to operate your business. It serves as a supplement to your property insurance or general liability insurance.

Is Business Income Insurance required in Colorado?

No, business income insurance is not required in Colorado, but it is recommended to help business owners recover financially. Other insurance policies may cover physical items such as your structure or inventory, but they may not cover your loss of income, if you are unable to operate your business during downtime.

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