Business Interruption

Business Interruption in Ohio Hertvik Insurance Group Medina OH

Protect Your Business Income with Business Interruption Insurance in Ohio

Could your business survive a temporary shutdown? If a fire, storm, or other unexpected disaster forced you to close your doors, would your income continue? With Business Interruption Insurance in Ohio, you don’t have to guess—you can plan.

At Hertvik Insurance Group, we help Ohio business owners prepare for the unexpected by pairing them with strong business income protection backed by top-rated insurance carriers.

What Is Business Interruption Insurance?

Business Interruption Insurance—also known as Business Income Insurance (BI)—replaces lost income when your business is unable to operate due to a covered event like fire, vandalism, or certain types of natural disasters.

While your property insurance helps repair physical damage, BI coverage helps you maintain your income stream, cover expenses, and stay afloat until you’re up and running again.

What Does Business Interruption Insurance Cover?

This type of coverage ensures your business can continue to meet financial obligations, even during a temporary closure.

Here’s what Business Interruption Insurance typically covers:

  • Lost net income during the period of restoration

  • Ongoing operating expenses (like payroll, rent, and utilities)

  • Temporary relocation costs

  • Loan payments and taxes

  • Extra expenses incurred to minimize downtime

BI insurance is often included in a Business Owners Policy (BOP) or can be added as an endorsement to a commercial property policy.

Why Do You Need BI Insurance?

Every day your business is closed is a day of lost revenue. Whether you’re a restaurant owner, manufacturer, retailer, or service provider, having this coverage in place helps protect your future earnings and provides peace of mind.

Even a short disruption can have a long-term financial impact—especially for small to mid-sized businesses.

Get a Quote Today

Don’t wait until disaster strikes. Contact Hertvik Insurance Group today for a customized quote for Business Interruption Insurance in Ohio. Call our office or head to our quotes page to get started—we make the process fast, easy, and stress-free