Does commercial property insurance cover business interruption?

Not automatically. You can add business interruption insurance to cover lost income and operating expenses if your business is temporarily shut down due to a covered loss.

Commercial property insurance does not automatically include business interruption coverage, but it can be added to protect against income loss during covered events.

A flood forces a business to close temporarily. With business interruption coverage, they recover lost income during the downtime.

Review your coinsurance clause and ensure your property is insured to the required percentage of its value to avoid reduced payouts.