Business interruption coverage replaces lost income and pays continuing operating expenses when a covered event temporarily prevents your business from operating normally.
What's typically included:
- Lost net income — what your business would have earned during the interruption period.
- Continuing expenses — payroll, lease, loan payments, and other fixed costs that don't pause.
- Extra expenses — additional costs incurred to keep operating (e.g., temporary location rent, expedited equipment shipping).
- Restoration period — typically the time it takes to repair/replace damaged property and resume normal operations.
Common triggers (vary by policy):
- Damage to your premises from a covered cause.
- Equipment breakdown of essential business systems.
- Supplier or vendor failure (with contingent business interruption add-on).
- Civil authority order preventing access to the premises.
What it does NOT cover: losses from undamaged property, market conditions, or events excluded by the policy. RMO BizOps Shield policy details and exclusions are described in the policy form.