Business Interruption Insurance in New Jersey
Keep Your Business Running—Even When Life Doesn’t Go as Planned
When disaster strikes, the damage isn’t just physical—it’s financial. At BEW Financial Solutions, we help business owners in North Jersey protect their income with business interruption insurance. This essential coverage helps replace lost revenue and operating expenses if you're forced to temporarily close due to a covered event.
What Does Business Interruption Insurance Cover?
Business interruption coverage—also known as business income insurance—helps keep your business afloat after a disaster shuts down your operations. It’s typically added to your commercial property insurance policy.
Common Coverage Includes:
What Does Life Insurance Cover?
Life insurance is more than a payout—it’s a plan that ensures your family’s future stays on track, even if you’re no longer there to lead it. From mortgage protection to legacy planning, the right policy offers financial security and peace of mind.
Types of Life Insurance We Offer:
Term Life Insurance
Affordable, time-limited protection designed to cover your family during key years—like raising children or paying off your home.
Whole Life Insurance
Lifelong coverage that builds cash value over time. A great option for estate planning, final expense coverage, or long-term savings.
Universal Life Insurance
Flexible protection that combines lifelong coverage with adjustable premiums and a savings component.
Final Expense Insurance
A simple, affordable way to ensure funeral costs and other end-of-life expenses are covered—so your family isn’t left with unexpected bills.
Lost Business Income
Replaces profits you would have earned during the closure, based on your financial records.
Fixed Operating Expenses
Covers rent, utilities, loan payments, and payroll even if business slows or stops.
Temporary Relocation Costs
Pays for expenses to move and operate from a temporary location during repairs.
Taxes and Loan Payments
Helps you stay on top of financial obligations even when income halts.
Who Needs Business Interruption Insurance?
If your business relies on a physical location to operate—whether it’s a retail store, office, warehouse, or manufacturing space—business interruption insurance is crucial.
This includes:
- Local retailers and restaurants
- Professional service firms
- Manufacturing and distribution businesses
- Healthcare practices
- Property managers and landlords
Even a small fire or storm can force you to shut down for weeks. Business interruption insurance ensures your cash flow doesn’t stop just because your operations do.
Why North Jersey Business Owners Choose BEW
We Understand Local Risks
North Jersey businesses face unique challenges—from winter storms to power outages. We’ll help tailor coverage that fits your environment.
Decades of Experience
Since 1996, we’ve helped local businesses prepare for the unexpected and recover quickly after disasters.
Independent Guidance, Not Sales Pressure
We work with top-rated insurance carriers—not just one—so you get options, not upsells.
Personal Attention from Real People
No call centers. No red tape. Just clear communication and reliable advice when it matters most.
Does business interruption insurance cover COVID-19 or pandemics?
Most policies exclude viruses and pandemics. We'll review your policy language to confirm what’s covered and help you explore any alternatives.
Is this coverage included in my general liability or property insurance?
No. Business interruption must be added as a rider to your commercial property or business owner’s policy (BOP).
How long will the policy pay benefits?
Coverage typically lasts until your property is repaired and operations resume—often with a standard maximum of 12 months. Extended options are available.
What triggers business interruption insurance?
Physical damage from a covered peril (like fire, wind, or vandalism) must cause the closure. We'll make sure you understand the triggering events in your policy.
How do I prove my lost income?
Your insurance company will require profit and loss statements, tax returns, and other documentation. We can help you prepare ahead of time so you’re ready.
Let’s Build a Business Continuity Plan That Works
When the unexpected happens, your income shouldn’t disappear. Let BEW Financial Solutions help you secure business interruption coverage that keeps your company moving forward—no matter what.