Cash-flow is king as the saying goes. It is one thing to insure your physical property of the business , but how do you keep your business running in the event of a loss?
Business interruption insurance is designed to protect the loss of income and assist a business to return to the same financial position as if the loss never took place.
If your business experiences a loss, such as your physical building burns down or an electrical storm wipes out your power and you cannot continue to work, your property or material damage insurance policy is triggered to repair your physical business. What happens though in the meantime? Repairs to your building or replacing electrical / computer equipment or data may take months or even years.