Most business owners understand the importance of insuring physical assets, such as their buildings, equipment, and inventory. But what many overlook is just as critical: What happens if your business can’t operate after a disaster?
Floods, fires, or storm damage can temporarily force a business to shut its doors. While repairs are underway, the income stops — but the bills keep coming. Research shows that nearly 40% of businesses never reopen after a major disaster. Standard commercial property insurance covers physical damage, but it rarely addresses lost income and ongoing costs during downtime.
This is where business interruption insurance becomes the lifeline that separates businesses that recover from those that never return.
Don’t wait until disaster strikes. Call 800-345-8321 to speak with a Young Adjustment Company public adjuster today.
What Business Interruption Insurance Covers
Think of business interruption insurance as the missing piece of your protection plan. Standard property insurance pays to repair buildings and equipment, but this coverage replaces the income you would have earned if the disaster never happened.
For example, imagine a retail store in Philadelphia is flooded. Property insurance may cover building repairs, but business interruption coverage ensures cash flow continues during restoration, covering:
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Property taxes and mortgage payments
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Employee salaries and benefits
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Loan obligations and fixed costs
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Temporary relocation expenses, if necessary
Even commercial property owners benefit. If tenants are unable to operate and can’t pay rent, this coverage can keep rental income steady until operations resume. In some cases, coverage even applies when government authorities restrict property access after a disaster.
Most policies extend until the business is fully operational again, though they typically include a maximum coverage period. Business interruption insurance is usually added as an endorsement to an existing commercial property policy, rather than a standalone product.
Make sure your business can survive the unexpected. Call 800-345-8321 for a free consultation.
How It Works in Real Life
The real test of business interruption insurance comes immediately after disaster strikes. Consider a manufacturing facility that suffers a fire. Operations stop instantly. No production. No revenue. But the bills — payroll, loan payments, utilities — don’t stop.
Without this coverage, business owners face two painful choices: take on massive debt or shut down permanently. With proper protection, the insurance covers ongoing expenses until normal operations resume.
Filing these claims requires documenting both physical damage and financial loss. The best outcomes come from clear business records, strong proof of pre-disaster income, and quick, accurate filings. This is where specialized public adjusters like Young Adjustment Company add value. We know how to present claims in ways that maximize recovery and ensure nothing is overlooked.
Benefits for Commercial Property Owners
Business interruption insurance provides unique advantages for commercial property owners, especially those leasing to multiple tenants.
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It protects your own income streams, such as rent payments, when tenants can’t operate due to covered disasters.
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It safeguards your ability to meet mortgage and tax obligations even during extended closures.
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It provides a cushion of financial stability so you can manage your own recovery and support your tenants simultaneously.
The greatest value may be the flexibility and breathing room it provides. Instead of making desperate decisions, owners can focus on best practices for recovery with the reassurance that income is still flowing.
Since 1924, we’ve helped Philadelphia businesses recover after property damage. Trust Young Adjustment Company to stand by you when it matters most. 📞 800-345-8321
Why Work with Young Adjustment Company?
Since 1924, Young Adjustment Company has been the trusted public adjusting firm for Philadelphia businesses. For over 100 years, we’ve stood by local companies, guiding them through the complex claims process after disasters.
Insurance carriers have teams of experts on their side — shouldn’t you?
At Young Adjustment Company, we:
✅ Review your policy and ensure you have the right coverage in place
✅ Document your property losses and financial records thoroughly
✅ Advocate for your claim with professionalism and persistence
✅ Fight for the maximum settlement so you can recover with confidence
Protecting your property is only half the battle. To safeguard your future, you need protection for your income as well. Business interruption insurance provides the stability businesses need to survive the recovery period after a disaster.
Whether you own a small retail shop, a manufacturing facility, or a commercial property portfolio, this coverage can be the difference between reopening your doors and closing them for good.
The numbers don’t lie: nearly 40% of businesses never reopen after disasters. Those who do often have one thing in common — proper business interruption coverage and expert guidance through the claims process.
With Young Adjustment Company, you’re not alone. Our century of experience and deep Philadelphia roots make us the partner you need to protect your business, your employees, and your future
Your property insurance covers the damage. But who covers your lost income? Let Young Adjustment Company guide you through business interruption claims. 📞 800-345-8321