Business Interruption Insurance
Protect your property and guests with business interruption insurance, ensuring peace of mind and financial stability should the unexpected occur, allowing you to focus on operations confidently.
Rely on our expertise to navigate your industry's distinct challenges.
With over 80 years safeguarding businesses against operational disruptions, our seasoned advisors bring unparalleled expertise in mitigating risks across diverse industries. We intimately understand the unique challenges faced by your organization, from supply chain vulnerabilities to cybersecurity threats and environmental hazards. Through a collaborative approach, we customize comprehensive insurance solutions that fortify your operations against revenue losses, property damage, and liability claims while proactively addressing emerging exposures. Our unwavering dedication ensures your business continuity plan remains robust and future-ready, enabling your enterprise to thrive and scale with confidence.
Certified insurance experts underwrite Business Interruption coverage for enterprises across industries, from small retail shops to multinational corporations. Closely tracking legal reforms, supply chain disruptions, and technological innovations, we proactively identify emerging operational hazards. Our specialized knowledge safeguards your business against revenue losses from catastrophic events, cyberattacks, and regulatory penalties.
We exceed basic interruption insurance by tailoring solutions for your industry. Our policies span from income loss to relocation costs, from civil authority dilemmas to contingent property coverage, ensuring your business faces zero vulnerabilities.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Net profit lost due tosuspended operations, reduced revenues, expenses incurred to maintain payroll
• Coverage for rental income lostdue to loss of tenants, rental space damage, eviction prohibitions
• Reimbursement of ongoing fixed costsduring business downtime like rent, loans, taxes, and utility bills
• Extension for contingent income sourceslike supplier disruptions, infrastructure damage, and anchor tenant closures
• Loss income from denied accessto premises due to government-mandated closure or curfew orders
• Reimbursement for increased security coststo secure property and inventory during prohibited access periods
• Coverage for relocation expenses totemporary facilities to maintain partial or modified business operations
• Extended period of restoration limitsfor additional time required to resume normal business activities
• Income lost from property damageto key suppliers, receivers, or other business partners
• Disruptions from utility service failuresor infrastructure problems affecting business operations and accessibility
• Coverage for supply chain disruptionshalting production, distribution, or delivery of goods and services
• Losses from closures or curfewsin surrounding areas preventing employee or customer access
• Temporary relocation and moving coststo alternate facilities for continued business operations
• Leasing expenses for replacement equipmentand machinery required to maintain production levels
• Increased payroll and staffing costsfor overtime, training, and additional personnel during restoration
• Other reasonable expediting expenses necessaryto restore operations as quickly as possible
On average, Business Interruption Insurance costs around $2,500 annually; however, individual premiums vary based on several factors:
Higher premiums correlate with inadequate contingency plans, as insurers perceive greater risk if operations cannot swiftly recover after disruptions like cyberattacks or natural disasters.
Companies with centralized suppliers or single-point distribution channels face higher costs due to increased vulnerability to bottlenecks from disasters impacting key vendors.
Premiums account for proximity to high-risk areas prone to events like hurricanes, earthquakes or civil unrest disrupting infrastructure and business activities.
Sectors with cyclical demand patterns or rapidly evolving technologies experience rate fluctuations reflecting their increased susceptibility to market shifts.
On-site factors like older buildings, hazardous materials storage, and remote locations impact pricing due to elevated risks of prolonged outages.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Business interruption insurance covers income losses caused by unavoidable disruptions like fires, natural disasters, or civil unrest. Coverage is contingent on physical property damage forcing temporary closure. Policies may cover profits, rent, payroll, and other expenses. Pandemics and cyberattacks are often excluded from standard policies. Proper documentation of losses is crucial for claims. Crisis planning can minimize downtime and maximize coverage benefits.
The indemnity period defines how long income losses are covered after an insured event. Typical periods range from 3-24 months, selected when purchasing coverage. A longer period costs more but provides extended protection. Insurers assess the likely duration for your business to resume normal operations based on its size, industry, and recovery plan. Regularly reviewing anticipated downtime projections can optimize coverage.
Developing a comprehensive business continuity plan is crucial for managing interruption risks. This includes data backups, alternate worksite arrangements, supply chain diversification, and cross-training employees. Investing in disaster-resistant infrastructure, emergency supplies, and cybersecurity can further minimize disruptive impacts. Regular drills, equipment maintenance, and policy reviews promote preparedness. Implementing such measures demonstrates commitment to limiting losses and may reduce premiums.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
