Over the past several years, supply chain disruptions have become more common — and more costly.
For many Chicago area businesses, the real financial impact of a loss isn’t property damage. It’s the interruption to revenue.
What Business Interruption Insurance Covers
Business interruption coverage can help replace:
Lost income
Ongoing payroll
Increased expenses
Temporary relocation costs
But the structure and limits vary significantly between policies.
The Overlooked Risk: Contingent Business Interruption
If a key supplier, manufacturer, or distributor suffers a loss, your operations could halt — even if your property remains undamaged.
Contingent business interruption coverage may respond in these situations, but it must be specifically included.
Other Critical Questions
Is your business income limit adequate?
Does coverage reflect current revenue levels?
How long is the indemnity period?
Are extra expense endorsements included?
Many policies were written based on revenue levels from several years ago.
If your business has grown, your coverage should grow with it.
Mid-Year Is the Ideal Time
July is a natural checkpoint for revenue trends and operational adjustments.
If your company relies on suppliers, equipment, or continuous operations, schedule a mid-year business interruption review to ensure your protection matches your current scale