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Business Interruption Insurance

Business interruption insurance (also known as business income insurance) is a type of insurance that covers the loss of income that a business suffers after a disaster. The income loss covered may be due to disaster-related closing of the business facility or due to the rebuilding process after a disaster.

It differs from property insurance in that a property insurance policy only covers the physical damage to the business, while the additional coverage allotted by the business interruption policy covers the continuing expenses, extra expenses and profits that would have been incurred or earned. This exposure is applicable to all types of businesses, and the coverage if properly written is designed to put a business in the same financial position it would have been in if no loss had occurred.

Most businesses do not know if they have enough coverage.
If you have 1,000,000 in interruption insurance…is it enough? Maybe not.
A recent policy review showed a prospect with a $1 million interruption policy would actually need up to $3 million if a catastrophe occurred in their business. This would give them the time and resources needed, beyond the rebuilding of physical assets to get back on their feet. Without the proper coverage, this company may not survive a catastrophe.

By getting to know you, your business and the changes and evolution that occurs within your business on a month-in/month-out basis, EMA can help you cover your risks while streamlining your costs. This focus on YOUR BUSINESS is what allows us to provide you the most effective coverage at the lowest cost.

You will quickly understand the value of your relationship with us and how EMA is compensated based on the work we do.
Building a relationship with you over time is the key to growing our understanding of your business and how we can serve you more efficiently.