Your Business
Business Interruption Runway
If you could not trade tomorrow, how many months would your policy actually fund? Payroll does not pause.
Calibrate
Drag to set each value — estimates are fine.
On your declarations page, sometimes as "business income". Many business owner policies instead provide business income on an actual-loss-sustained basis for 12 months with no dollar limit — leave this at zero if yours does, or if no limit is stated, and the runway is read from the period rather than a figure.
The staff you would not want to lose while closed.
Rent, loan payments, utilities, insurance, subscriptions — what continues whether you trade or not.
Business interruption covers lost profit as well as continuing costs.
Rebuilding, refitting, replacing equipment, and winning customers back.
ICC Team
Insurance Confidence Center
A number is a starting point. Walking through what it means for your actual policy is the part that changes anything.
What this means for you
Get a plain-English summary of your reading.
Levers that move this
- Business interruption limit
- Monthly payroll you would keep paying
- Other monthly fixed costs
- Monthly net profit you would lose
- Months to reopen after a serious loss
Drag these dials above to see the effect instantly.
Get the full write-up
The assumptions behind the figure, the method, and the disclosures that go with it.