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Business interruption calculator
Business interruption cover replaces the profit a shutdown destroys plus the fixed costs that carry on regardless, which is why payroll and rent belong in the calculation.
Most policies also have a waiting period, often 48 to 72 hours, before cover starts.
This is an educational tool, not a quote or advice. It uses general formulas and the figures you enter. Policy terms, state rules and insurer practice vary, so check anything important with a licensed agent.
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