Business Interruption Insurance: How to Make Sure Your Business Is Covered 

Unexpected disruptions can put even the most prepared businesses at risk. Severe weather, utility outages or property damage can halt operations and threaten your bottom line. At Tidwell and Hilburn Insurance, Inc., we understand how important it is for business owners to have a plan in place, and business interruption insurance is a key part of that strategy.

What Is Business Interruption Insurance?

Business interruption insurance is designed to help cover lost income and ongoing expenses if your business is forced to temporarily close due to a covered event, such as fire, storm damage or other property-related incidents. This coverage can help pay for rent, payroll, loan payments and other essential costs while you recover and rebuild.

Why Is It Important for Georgia Businesses?

Georgia’s climate brings unique risks, including hurricanes, tornadoes and flooding. Even a short-term closure can have lasting financial impacts, especially for small and medium-sized businesses. Business interruption insurance can provide a financial safety net, helping you maintain stability and recover more quickly after a disaster.

Business interruption insurance may cover the following:

• Lost income during the period your business is unable to operate
• Fixed expenses such as rent, utilities and payroll
• Costs associated with temporarily relocating your business
• Extra expenses needed to minimize the impact of the disruption

Take the following steps to help ensure your business has adequate coverage:

• Review your current policies. Not all property insurance automatically includes business interruption coverage.
• Assess your risks. Consider the types of disruptions most likely to affect your business in Georgia.
• Update your coverage as your business grows. Regular reviews ensure your policy keeps pace with changes in your operations.

How Tidwell and Hilburn Insurance, Inc. Can Help

Our experienced team can guide you through the process of selecting and customizing business interruption insurance, so you can focus on running your business with confidence. Contact us today to discuss your coverage options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.