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How Much Does Business Interruption Insurance Cost?

Business interruption insurance costs can vary significantly based on several factors.

As a general guide, here are approximate monthly premiums for different-sized businesses:

  1. Small Business: $500 – $1,500
  2. Medium-sized Business: $1,500 – $5,000
  3. Large Business: $5,000 – $20,000+

These figures provide a rough estimate, and actual costs will depend on factors such as business size, industry, location, coverage limits, deductible choices, and risk mitigation measures. To obtain precise quotes tailored to your business, consult with insurance professionals who can assess your unique needs and provide accurate cost assessments. Understanding these costs is crucial for businesses looking to safeguard their operations against unforeseen disruptions effectively.


Here are some key considerations that affect the cost:

  1. Business Size and Revenue:

    • Larger businesses with higher revenues typically pay more for interruption insurance due to the potentially greater financial impact of an interruption.

  2. Industry Risk:

    • Some industries are more prone to interruptions, either due to the nature of their operations or external factors. Businesses in high-risk industries may face higher premiums.

  3. Location:

    • The geographic location of the business plays a role. Areas prone to natural disasters or other risks may have higher premiums.

  4. Coverage Limits:

    • The higher the coverage limits, the more expensive the insurance. Businesses need to carefully assess their potential financial losses and select coverage limits that adequately protect them.

  5. Deductible:

    • The deductible is the amount the business must pay before the insurance coverage kicks in. Choosing a higher deductible can lower premiums but increases the out-of-pocket expense in the event of a claim.

  6. Business Continuity Measures:

    • Insurance companies may consider the measures a business has in place to prevent or mitigate interruptions. Well-prepared businesses may qualify for lower premiums.

  7. Claims History:

    • A business’s claims history can impact the cost of insurance. A history of frequent claims or high-value claims may result in higher premiums.

  8. Policy Features:

    • Additional features or endorsements, such as extended coverage, contingent business interruption, or coverage for specific perils, can impact the cost.

  9. Insurance Provider:

    • Different insurance providers may offer varying rates for similar coverage. It’s essential to compare quotes from multiple providers.

To determine the exact cost, businesses should work with insurance professionals who can assess their unique needs and risks. Obtaining tailored quotes and understanding the specific terms and conditions of the policy is crucial for making informed decisions about business interruption insurance.

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