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This HyperArticle™ is appropriate for all Commercial Lines brokers.
It first appeared in BC Broker magazine in October 2014
and was refreshed in November 2024.

Overview

This HyperArticle™ highlights the critical role of business interruption (BI) insurance in a company’s survival after a loss event. The article details the four key elements that trigger BI coverage, common limitations like waiting periods and maximum indemnity periods, and various forms of BI insurance tailored to specific needs. Ultimately, you’ll gain insights into educating clients about the need for BI coverage, determining accurate limits, and using BI to ensure a business’s complete financial recovery.

When you’re ready, please go to the first content section…

Course Content

The Need for Business Interruption Coverage
Elements of Coverage
The Business Continuity Plan
Coverage Takes Many Forms
Capitalization, Other Income, and Recovery of Customers
When Suspending Operations Isn’t an Option
Businesses with Significant Suppliers or Customers
Dependency on Another Business
Displaced Tenants
Retaining or Recruiting Employees Once Business Is Restored
Educating the Client About Managing Risks
Taking Care of Business Interruption
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