Business interruption Insurance (BI)
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BI is an insurance coverage that is usually sold along with property insurance and reimburses income lost if the business is halted due to direct physical loss or damage, such as:
- One caused by a fire or a natural disaster
2 . Standard business interruption insurance does not
reimburse policyholders if the business is closed due to a pandemic.
![ICON-01 ICON-01](https://www.trustsa.com/wp-content/uploads/elementor/thumbs/ICON-01-p8569nncvcjwqwqymekzekwutmmagictb8msigwq6k.png)
This type of insurance also covers operating expenses, a move to a temporary location, if necessary, payroll, taxes, and loan payments.
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In rare cases, business interruption insurance can apply if a civil authority shuts down a business due to physical damage to a nearby business, resulting in loss to the firm.
![ICON-01 ICON-01](https://www.trustsa.com/wp-content/uploads/elementor/thumbs/ICON-01-p8569nncvcjwqwqymekzekwutmmagictb8msigwq6k.png)
Standard business interruption insurance does not reimburse policyholders if the business is closed due to a pandemic.