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Business Interruption Insurance
When a covered loss shuts your doors, Business Interruption insurance helps keep your business financially stable. Protect your income, payroll, rent, and ongoing expenses in Mississauga, Ontario, and across Canada.
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Cash Flow Protection
What Is Business Interruption Insurance?
Business Interruption insurance (also called Business Income insurance) helps replace lost revenue and pays ongoing expenses when your business operations are disrupted by a covered property loss. It keeps your business stable while repairs are underway.
Replace Lost Income
Helps cover the income your business would have earned if a covered loss did not interrupt operations.
Cover Ongoing Expenses
Supports fixed costs like payroll, rent, utilities, and loan payments so you can keep operating financially.
Business Continuity
Who Needs Business Interruption Insurance?
If your business depends on a physical location, equipment, inventory, or in-person operations, Business Interruption insurance is essential. It helps protect cash flow in Ontario during unexpected shutdowns.
Retail Stores
Restaurants & Cafes
Manufacturing & Warehousing
Contractors & Trades
Medical & Dental Clinics
Hospitality & Hotels
Professional Offices
Property Owners & Landlords
Any Business With Fixed Expenses
Businesses With Key Equipment
Growing Businesses
Established Operations
Our Network
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Protect Your Revenue During Unexpected Shutdowns
Keep your business stable after a covered loss. Compare Business Interruption options from top Canadian insurers with Boardwalk.
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Key Advantages
Key Benefits
Business Interruption coverage is designed to keep your business financially resilient while you recover.
Complete Coverage
What Does Business Interruption Insurance Cover?
Coverage depends on your policy wording, limits, and triggers. These are common protections businesses in Ontario often include.
Lost Business Income
Coverage for income your business would have earned if operations were not interrupted by a covered loss.
- Lost revenue
- Continuing operating costs
- Net profit protection
- Reasonable recovery period coverage
Payroll & Key Staff
Helps maintain payroll so you can retain critical employees during downtime.
- Key employee wages
- Regular payroll options
- Temporary staffing costs (as applicable)
- Employee retention support
Fixed Expenses
Supports fixed costs that continue even when revenue stops.
- Rent or lease payments
- Loan interest
- Utilities and property taxes
- Insurance premiums
Extra Expense
Pays for additional costs to reduce downtime or keep operations running.
- Temporary location costs
- Equipment rental
- Expedited shipping
- Emergency operational expenses
Civil Authority
May apply when access to your premises is prohibited by government order due to nearby covered damage.
- Restricted access orders
- Mandatory closures (covered triggers)
- Limited time coverage windows
- Policy-specific conditions
Contingent Business Interruption
Optional coverage for interruptions caused by supplier or customer disruptions (where available).
- Key supplier disruption
- Key customer disruption
- Supply chain dependency options
- Policy-specific triggers and limits
Risk Awareness
Common Business Interruption Scenarios
The disruption often costs more than the physical damage. Business Interruption coverage helps protect cash flow while you rebuild.
Fire or Smoke Shutdown
A fire damages key areas of your premises and forces a temporary closure for repairs.
Example: A restaurant closes for several weeks after smoke damage impacts the kitchen and dining area.
Water Damage and Restoration
A burst pipe or leak requires emergency restoration and temporarily disrupts operations.
Example: A retail store closes for repairs after a pipe leak damages flooring and inventory storage areas.
Equipment Breakdown
Key equipment failure stops production or prevents services from being delivered.
Example: A manufacturing line shuts down due to electrical failure in a critical machine.
Restricted Access
Your premises is inaccessible due to nearby damage or an authority restriction (policy conditions apply).
Example: Road closure prevents customers from reaching your storefront for several days after a nearby incident.
Get Answers
Frequently Asked Questions
Common questions about Business Interruption insurance coverage.
Business Interruption Insurance covers lost income and operating expenses when your business must temporarily close due to a covered loss, such as fire, storm damage, or other disasters.
Coverage typically begins after a covered physical loss to your property and continues until operations can resume, subject to policy limits and time frames.
It covers lost revenue, payroll, rent, utilities, loan payments, and other fixed operating expenses incurred during the closure period.
Coverage duration depends on your policy, but typically ranges from 6-24 months. Some policies include extended coverage periods for major disasters.
Often included as part of commercial property insurance, but coverage limits and conditions vary. It's important to review your specific policy wording.
Coverage is triggered by a covered physical loss to your property (like fire damage) that prevents normal business operations, not by economic factors alone.
Keep Your Business Financially Stable After a Loss
Protect your revenue, payroll, and ongoing expenses with Business Interruption coverage tailored to your operations. Across Canada
Why Boardwalk Insurance
Competitive Insurance Rates
Access to multiple A-rated carriers means better pricing and coverage options for Mississauga businesses
Quick Quote Turnaround
Get insurance quotes fast with same-day response and coverage when your business needs it most
Claims Support & Advocacy
We advocate for you throughout the entire insurance claims process — your success is our priority
