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Business Interruption Claims


Business income coverage is designed to help keep you in business following a loss or disaster. Commercial property insurance policies provide insurance coverage for business income losses through the policy endorsements.

Business income insurance, also known as business interruption coverage, helps cover lost income and additional expenses when the business is shut down or its operation is altered.

Business income insurance coverage can cover the cost of:

  • Lost profits
  • Mortgage or Rent
  • Taxes
  • Payroll
  • Utilities
  • Temporary Location Cost
  • Advertising
  • Other Fixed Cost

Traditionally, there is a 48 to 72 hour waiting period before the coverage begins, but the coverage can cover a full year of losses. Some business income insurance policies extend this time depending on your coverage needs and the type of business.

Many policies provide for extra expense coverage for additional insurance coverage above and beyond the normal operating expenses that a business incurs to continue operation while the property is being repaired. This coverage pays for a business’s non-ordinary expenses and can help you stay in business during the difficult times after suffering a loss.

Some policies include extended business income coverage. This coverage can provide protection against business income loss which continues to occur after the business has resumed operation and the period of restoration is ended. The policy specifies the timeframe during which this coverage may apply.

Calculating your business income claim loss can be complicated depending upon the terms and conditions of your insurance policy. Utilizing experts in these types of claim is necessary. Murray Law Group’s extensive experience and expert legal advice can assist you to successfully navigate this difficult and often confusing claims process.

If you have any questions or need assistance with claim your business interruption or business income claim contact a Florida insurance claim attorney who can help you stand up to your insurer to get the compensation your business is entitled.



Murray Law Group’s Florida insurance attorneys have recovered hundreds of millions for thousands of clients in Florida. Our award-winning team has the expertise and in-depth knowledge to build strong cases for victims of bad faith insurance claims.


We offer free initial consultations in English or Spanish, and we can travel to you when you need it. Call our firm at 1-855-269-4317 today.