The Coverage Most Arizona Businesses Forget: Business Interruption Insurance

​Imagine your restaurant, retail shop, or office is forced to close tomorrow due to fire, storm damage, or another covered loss. Even if your property insurance pays for repairs, how will you cover payroll, rent, and lost income while your doors are shut?

​That’s where business interruption insurance comes in.

What It Covers:
• Lost income while operations are paused
• Ongoing expenses like payroll, rent, and utilities
• Costs of relocating to a temporary space

Arizona-Specific Risks:
• Monsoon flooding
• Wildfire damage and evacuations
• Extended power outages

Without this coverage, many small businesses never reopen after a major interruption.

Why It Matters Now:

With unpredictable weather and rising repair costs, business interruption insurance is more critical than ever. A few dollars a month could mean the difference between survival and shutdown.