When the unexpected happens, be sure your business can continue.

Business Interruption Insurance to Keep You Operating

The fall of 2012 was an eye-opener for many businesses affected by the destruction that Super Storm Sandy caused on the Eastern seaboard, including in communities throughout New Jersey, New York and Pennsylvania. Many businesses realized the importance of having business interruption insurance after their businesses were forced to shut down by this widespread catastrophe. A business interruption (also called business income) policy provides income during the time (up to a certain period) you have to close or significantly scale back due to physical damage to your property.

Furthermore, when a disaster strikes, property damage is not the only issue with which you have to deal. There are also related expenses associated with temporarily relocating and renting business equipment to replace items that were damaged or destroyed. A business interruption policy that is combined extra expense coverage can cover these additional expenses.

Your policy can be crafted to provide income for a set time after your business reopens but has to rebuild its customer traffic. Some business income with extra expense insurance will also cover advertising costs and extend pay to designated employees.

Assessing your operational needs.

At SB One Insurance Agency we’ll assist you in analyzing your risks and evaluating your best options for protection and recovery solutions. We’ll help in identifying personnel who need to be kept on payroll even if your income is interrupted. We can also assist you with a disaster recovery plan and estimates of what you will need to stay in business after a catastrophe. Our risk management services include contract/lease reviews to help you understand what your obligations are during your rebuilding phase.

SB One is ready to serve your insurance needs.

SB One Insurance Agency understands that businesses come in all shapes and sizes and, so too, do their insurance needs. We work hand-in-hand with you to present the right product selection for your niche and the necessary risk management strategies to not only foster a culture of safety but to also mitigate losses. We are licensed in 37 states and represents numerous insurance companies, which allows us to not only offer our customers a complete and comprehensive portfolio of insurance products but at competitive rates. Give our professionals a call toll-free at 888.990.0526, email us or fill out and send the form on this page for a free consultation and quote.