Business Interruption Insurance
When a fire or major burglary shuts your doors, the rent, payroll, and bills don't stop. Business interruption coverage replaces the income you would have earned and keeps you afloat during the rebuild — often the difference between reopening and closing for good.
Business Interruption for Smoke Shops & Vape Stores
A single fire or serious break-in can take a smoke shop offline for weeks or months. During that time you still owe rent, you still want to keep key staff, and the loans and utilities keep coming due — but no sales are coming in. Business interruption (also called business income) coverage bridges that gap.
What It Covers
- Lost net income: The profit you would have earned had the loss not occurred
- Continuing expenses: Rent, payroll, loan payments, and utilities that continue while you're closed
- Temporary relocation: Costs to operate from a temporary location where feasible
- Extended recovery: Income loss continuing after you reopen while you rebuild your customer base
Why It's Non-Negotiable for a Single-Location Shop
If your shop is your only location, a covered closure isn't a slowdown — it's a complete stop to your revenue. Many shops that suffer a major fire or burglary never reopen, not because the property wasn't insured, but because they had no income coverage to survive the months of closure. Business interruption is what keeps the lights on until you're back.
Setting the Right Limit and Period
We calculate your coverage based on your actual revenue and a realistic restoration period — how long it would genuinely take to rebuild, re-stock, and reopen — so you're not under-covered when it counts.
What's Covered
Frequently Asked Questions
Property coverage rebuilds your store and replaces your inventory. Business interruption replaces the income you lose and the expenses you still owe while you're closed. You need both — one restores the shop, the other keeps you solvent until you reopen.
Enough to cover your net income plus continuing expenses for a realistic restoration period — the months it would actually take to rebuild, re-stock, and reopen. We size it to your revenue so you're not cut off mid-recovery.