After a fire or flood, the building gets fixed by property insurance. Business interruption replaces the income you lose while you are closed, and pays rent, payroll and loan payments in the meantime.
Your price depends on revenue, claims history, location and the work you do. These ranges help you plan before we quote.
| Business type | Typical limit | Typical annual premium |
|---|---|---|
| Small office | 6–12 months income | Often bundled in a package |
| Restaurant | 12 months income | $400 – $1,200 add-on |
| Manufacturer | 12–24 months income | Rated on revenue |
Illustrative ranges only. Not a quote.
A kitchen fire closed a 60-seat restaurant for eleven weeks. Lost profit, staff wages and rent were paid while repairs were made.
From your annual gross profit and how long it would take to reopen. We work it out with you.
Usually it is added to a commercial property policy.
Pandemics are excluded by nearly all Canadian policies.
Protects your building, equipment, tools, stock and contents from fire, theft, flood and more.
Covers ransomware, data breaches, email fraud and the cost of notifying customers.
Covers injury or property damage your business causes to customers, clients and the public.
Five questions, one call, real prices side by side.