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June 6, 2025

Why business interruption insurance matters more than ever in 2025

On one hand, there are plenty of things you can plan for as a business owner, from product launches to seasonal slowdowns. On the other hand, some things come out of the blue - like a power outage that knocks out your operations, or a broken water main that floods your retail space.

For all that’s unexpected, business interruption insurance isn’t just a nice-to-have. It’s essential.

What is business interruption insurance?

Business interruption insurance covers the income your business loses when you’re forced to temporarily shut down due to a covered event, like a fire, natural disaster, or cyberattack. It can also cover ongoing expenses like rent and payroll.

Why is business interruption insurance important?

We’re in a different world than we were even five years ago. A flood or fire used to be the primary concern. Now, it could be a ransomware attack or an extreme weather incident. These situations don’t just interrupt business for a day or two but can go on for weeks, resulting in insignificant setbacks and financial loss.

Important business interruption policies to consider

When reviewing your business interruption policy, it’s important to make sure it reflects the types of disruptions that are increasingly common. Here are a few key areas where additional or updated coverage may be needed:

• Utility service disruptions - Coverage for income loss and expenses related to prolonged power outages or utility failures.

• Cyber-related downtime - Protection if your systems are compromised or locked, leading to lost revenue or operational shutdowns.

• Supply chain interruptions - Coverage that accounts for business losses when a key supplier experiences a disruption that prevents you from delivering goods or services.

How to stay ahead

At Roehr Insurance, we’ve been helping clients build coverage strategies ready for 2025. We can help you understand the limits of your current policy and whether your coverage includes extended shutdowns, remote work expenses, or revenue lost to cyber downtime.

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