Protect Your Business Income with Business Interruption Insurance

Business Interruption Insurance in California, Texas & Nevada | Noyce Insurance

Keep your business running after unexpected disruptions with business interruption insurance in California, Texas, and Nevada. Covers lost income, expenses, and recovery costs. Request a free quote today.

Financial Protection When Your Business Can’t Operate

Unexpected events like fires, storms, or other disasters can temporarily shut down your business, leading to significant financial losses. Business interruption insurance helps replace lost income and covers operating expenses when you’re unable to run your business due to a covered event. At Noyce Insurance, we help business owners secure customized policies to protect their financial stability during disruptions.

Lost Revenue Replacement

Reimburses income lost while your business is temporarily closed due to a covered event.

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Operating Expense Coverage

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Helps cover fixed expenses like rent, payroll, and utilities while operations are paused.

Temporary Relocation Costs

Pays for moving and rental expenses if you need to set up a temporary business location.

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Loan & Debt Repayments

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Helps cover outstanding loans and financial obligations during business downtime.

Supply Chain Disruptions

Covers lost income due to supplier delays or damages that prevent normal business operations.

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Frequently Asked Questions About Business Interruption Insurance

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  • What types of events are covered under business interruption insurance?

    Covered events typically include fire, storms, vandalism, and other insured disasters that cause temporary business closures. However, coverage does not usually include pandemics or government shutdowns.

  • How long does business interruption coverage last?

    Coverage duration depends on your policy’s "restoration period," which typically lasts from 30 days to 12 months after a covered loss.

  • Can I get business interruption insurance as a standalone policy?

    No, business interruption insurance is usually added to a commercial property or business owners policy (BOP) rather than purchased separately.

  • Does business interruption insurance cover utility failures?

    It may, if the power or water outage is caused by a covered event like a fire or natural disaster. However, general power failures are often excluded.

  • How much business interruption insurance do I need?

    Coverage should match your expected revenue, operating expenses, and estimated downtime. Our agents can help assess your needs.

  • How do I get a business interruption insurance quote?

    You can request a free quote online, call our office, or speak with an agent. We compare policies from multiple carriers to find you the best protection at competitive rates.

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Keep Your Business Running, Even When Disaster Strikes

A temporary closure shouldn’t mean permanent financial loss. Business interruption insurance ensures that your business can recover from unexpected disruptions without sacrificing income or long-term stability. At Noyce Insurance, we offer customized coverage to protect your business during challenging times. Request a free quote today.