What would you do if you couldn’t conduct business for an extended period of time? Would you be able to survive if damage occurred and you were out of business for several weeks or months?

The answer for most small business owners is no.

Business interruption insurance can be as vital to your survival as a business owner as fire, flood, or any other type of business insurance. Most people would never consider opening a business without buying insurance to cover damage due to these types of risks.

Unfortunately, too many small business owners fail to think about how they would manage if a fire or other disaster damaged their business premises to the point where they were temporarily unable to conduct business.

Business interruption insurance covers you for lost income if your company has to vacate the premises due to disaster-related damage that is covered under your property insurance policy, such as a fire.

It also covers the revenue you would have earned, based on your financial records, had the disaster not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

How much is Business Interruption insurance?

The price of the business interruption policy is related to the risk of a fire or other disaster damaging your premises.

All other things being equal, the price would probably be higher for a restaurant than a real estate agency for example because of the greater risk of fire.

Also, a real estate agency can more easily operate out of another location.

Call our office today to discuss your options, or head over to our quotes page to get the process started!

Garden Grove

Garden Grove is a city located in northern Orange County, California. The population was 170,883 at the 2010 census. State Route 22, also known as the Garden Grove Freeway, passes through the city running east-west. The city is known outside the Southern California area for being the home of Robert H. Schuller's Crystal Cathedral, from which religious broadcasts are made.

The city has a distinct community within it, West Garden Grove, which is located in the westernmost portion of the city. It is connected to the rest of Garden Grove by a narrow strip of land that runs along Garden Grove Boulevard.

Garden Grove was founded by Alonzo Cook in 1874. A school district and Methodist church were organized that year. It remained a small rural crossroads until the arrival of the railroad in 1905. The rail connection helped the town prosper with crops of orange, walnuts, chili peppers and later strawberries. In 1933, much of the town's central business district was destroyed by the Long Beach earthquake, and one person was killed. The post-World War II boom led to rapid development, and Garden Grove was incorporated as a city in 1956 with about 44,000 residents.

The most popular local event is the city’s annual strawberry festival, held annually (since 1958) over the Memorial Day weekend. Garden Grove also hosts festivals celebrating Korean and Arab cultures. One of the city’s most prominent features is the Crystal Cathedral (1980; designed by Philip Johnson and John Burgee), which has more than 10,000 panes of tempered silver glass. The Stanley Ranch Museum, centred on a home built in 1892, contains a park and several buildings of historical significance to the region. Inc. 1956. Pop. (2000) 165,196; (2010) 170,883.

Nearby Cities:

Business Insurance Westminster, Business Insurance Midway City