Business Interruption Insurance Quote Calculator
Get a free business interruption insurance quote in 60 seconds. Enter your revenue, fixed expenses, and coverage period to estimate your BI coverage limit and annual premium — no signup required.
By Emiliano · Last updated 2026-10-14
Want a real quote from a licensed broker?
Submit your details below to receive competitive business interruption quotes tailored to your exact business.
How this calculator works
This calculator determines your required business interruption insurance coverage by combining your projected net operating profits and ongoing continuous fixed expenses over your chosen recovery period. It then applies an industry-specific risk factor to estimate your annual premium cost. Formula source: Insurance Information Institute (III).
📊 See how your state compares — 50-state cost analysis
How much does a business interruption insurance quote cost?
A business interruption insurance quote typically ranges from $500 to $3,000 per year for small to medium-sized businesses. The quote depends on your industry risk profile, revenue volume, geography, and the length of the indemnity period you select. Most standalone BI policies are actually written as endorsements to a commercial property policy or bundled inside a Business Owner's Policy (BOP), which is usually the cheapest path to coverage.
Businesses in high-risk zones or sectors vulnerable to prolonged physical damage closures pay higher rates per thousand dollars of coverage. Our 2026 commercial insurance cost benchmarks show that hospitality and manufacturing pay 40–80% more for BI than professional services with identical revenue.
The calculator above gives you an estimate in 60 seconds. For a firm quote, use the broker form after calculating — we'll match you with carriers who write your industry class.
What factors affect your business interruption quote?
Several core risk variables influence the final premium quoted for your business interruption policy:
- Industry classification — hospitality and manufacturing face higher loss multipliers than professional consulting firms due to complex supply chains and specialized repair timelines.
- Geographic location — rates rise in regions with higher disaster frequency (hurricanes, wildfires, severe winter storms).
- Indemnity period — the number of months your policy covers lost income directly scales both the coverage limit and the premium.
- Coverage limit — calculated as (monthly net income + monthly continuing expenses) × indemnity months.
- Deductible and waiting period — higher deductibles and longer waiting periods reduce annual premium.
- Claims history — a clean 3-year loss run qualifies for preferred pricing tiers.
- Disaster recovery plan — documented mitigation protocols help negotiate lower rates.
How much coverage do you need?
Most small businesses need a coverage limit equal to 6–12 months of gross revenue, or 12 months of net income plus continuing fixed expenses. The right number depends on how long it would realistically take to:
- Repair or replace the damaged property
- Rebuild your customer base after reopening
- Get back to pre-loss revenue levels
Restaurants, retail, and manufacturing typically choose 12 months. Professional services firms often choose 6 months because they can operate remotely during many types of closures.
Use the calculator above to compute your specific coverage limit. If your result is above $500,000, consider adding an umbrella policy for excess liability protection.
Frequently asked questions
What does business interruption insurance actually cover?
It covers lost net income and continuing normal operating expenses — such as rent, utilities, employee payroll, and loan payments — while your business operations are suspended due to a covered property loss.
Is business interruption insurance required by law?
No federal, state, or local laws legally mandate business interruption insurance. However, commercial landlords or commercial lenders financing your equipment and real estate will frequently require it as part of your lease or loan agreement.
Does business interruption cover losses from pandemics or viral outbreaks?
Standard business interruption policies explicitly exclude losses caused by viruses, bacteria, and global pandemics unless specifically endorsed, which is exceptionally rare and expensive in current insurance markets.
How much business interruption insurance coverage do I need?
Most small businesses need a coverage limit equal to 6–12 months of gross revenue (or 12 months of net income plus continuing fixed expenses). Use the calculator above to get an estimate based on your industry, monthly revenue, and fixed costs.
How much does business interruption insurance cost?
Business interruption coverage typically costs $500–$3,000 per year when added as an endorsement or bundled into a BOP. Cost varies by industry (hospitality and manufacturing pay more), geography (coastal and disaster-prone states pay more), and chosen indemnity period.