Business Interruption Calculator
Calculate potential business interruption losses, estimate insurance coverage needs, and plan for business continuity during unexpected downtime events.
Step 1: Business Revenue Details
Understanding Business Interruption
Business interruption losses include lost profits, fixed expenses that continue during downtime, and extra expenses incurred to resume operations. Most policies cover these for a specified period.
Step 2: Expenses & Coverage
About Business Interruption Insurance
Business interruption insurance compensates for lost income during periods when you cannot conduct normal operations due to direct physical damage or other covered perils.
Business Interruption Analysis
Total Business Interruption Loss
Insurance Coverage Comparison
| Coverage Type | Coverage Limit | Covered Loss | Out-of-Pocket |
|---|
Monthly Loss Breakdown
Business Interruption Formula
Total Loss = (Monthly Revenue × Gross Profit Margin × Interruption Period) + Fixed Expenses + Extra Expenses
Business interruption losses are calculated based on lost profits (revenue minus saved expenses) plus continuing fixed expenses and any extra expenses to resume operations.
Need Professional Business Insurance Advice?
Connect with our business insurance specialists for personalized coverage analysis, risk assessment, and business continuity planning to protect your operations.
Get Professional Advice