
Choice Insurance Agency
Business Interruption Insurance in Massachusetts
Offering customized insurance solutions in Massachusetts and beyond.
What is business interruption insurance?
Business interruption insurance is a specialized commercial insurance policy that helps replace lost income when your business cannot operate due to a covered event, such as a fire, storm, or other disaster. It ensures you can pay ongoing expenses like rent, employee wages, and utilities even while your operations are temporarily halted. For businesses in Massachusetts, this insurance is a vital safety net to help you recover quickly and minimize financial losses.
Who needs business interruption insurance in Massachusetts?
Business interruption insurance in Massachusetts is beneficial for businesses that rely on their physical location or operations to generate income. This includes, but is not limited to:
- Retailers: Shops that may need coverage if their business temporarily closes due to unexpected incidents like fires or natural disasters.
- Restaurants: Establishments that rely on in-person customers and would be significantly impacted if forced to close temporarily.
- Manufacturers: Businesses whose production lines or facilities could be interrupted by equipment failure, natural disasters, or other events.
- Service Providers: Companies providing services in-person, such as salons, healthcare practices, or fitness centers, which could suffer losses if their operations are disrupted.
- Construction Businesses: Companies that face delays or halts due to accidents, weather, or other unforeseen circumstances.
In essence, any business that would lose income due to an interruption in its normal operations could benefit from business interruption insurance.
Quotes Available in Massachusetts & Other States

Words from our Clients
Gained a customer for life.
Moved all my personal lines of insurance over to Choice. They found me a set of policies that saved me over $1000/year. Then, Julie took care of my commercial line, jumped through so many hoops and got me a policy for my business at an amazing rate.
Great people, great insurance, great advice, great price.
Choice insurance has been providing insurance coverage to our commercial real estate business for over 7 years and the service has been tremendous. Peter has always responded quickly and with incredibly aggressive pricing; and with a perspective to assure that we are fully covered for all potential issues without unnecessary coverage and fees. There is such a comfort when working with Peter and his company that our best interest is their top priority.
I have been a happy customer of Choice Insurance for 12+ years. Peter and the team have been fantastic — always professional and knowledgeable about supporting my business insurance needs as well as our personal, home, car, and condo insurance needs. Peter has helped us with insurance questions related to buying and selling homes, a flood insurance claim, a tree that almost fell on our house and destroyed our fence, and a car accident. Recently, Peter noticed that our condo insurance (inherited from the prior owner) was severely inadequate. He helped us switch to a much better policy within less than a day. And, thank goodness he did. A couple weeks later, I smelled gas outside our home. It was a gas leak that National Grid fixed right away. But, I slept more soundly that night knowing that if the worst had happened, we would be fully covered thanks to Peter! I can’t recommend Choice enough!
This is our third policy with Peter, he’s awesome!! We started with a policy for a commercial space and added a home insurance and auto policy because of the quality of service that we received.
We highly recommend Choice Insurance Agency for competitive pricing and transparency. Want a great policy and customer service experience look no further.
Peter and his team are thorough and have a strong sense of urgency for all matters pertaining to our account. Each time we reach out for assistance, our expectations are exceeded. I would recommend his team to anyone.
I switched to Choice 10 years ago and with 2 teenage drivers we interact frequently. Every time they have made the process quick and effortless. My family and I could not be more pleased.
What does business interruption insurance cover?
Business interruption insurance typically covers several key areas to help your business recover from a disaster:
- Lost income: Replaces the revenue your business would have earned if operations had not been disrupted.
- Fixed expenses: Covers ongoing costs like rent, utilities, and salaries, ensuring you can meet your financial obligations.
- Relocation costs: Pays for temporary relocation if your business needs to operate from a different location while repairs are made.
- Loan payments: Ensures you can continue making loan payments during the interruption period, avoiding penalties or defaults.
- Training costs: Covers the cost of training employees on new equipment or processes after your business reopens.
- Taxes and insurance premiums: Helps you stay up-to-date on taxes and insurance premiums, preventing further financial strain.
By covering these critical expenses, business interruption insurance provides a safety net that helps your business recover and thrive after a disaster.
Does business interruption insurance cover extra expenses incurred to keep the business running during an interruption?
Yes, business interruption insurance typically covers extra expenses incurred to keep a business running during an interruption caused by a covered event. These expenses may include a range of costs necessary to maintain operations or minimize the overall financial impact of the interruption. For example, this could involve renting temporary facilities, purchasing or leasing new equipment, expediting shipping for materials, hiring temporary staff, or implementing alternative operational processes. Such costs are usually addressed under the “extra expense” provision of the policy.
What is the waiting period for business interruption insurance to kick in?
The waiting period for business interruption insurance is a critical aspect of the policy and refers to the time between the occurrence of a covered loss, such as fire, flood, or other insured events, and when the policy begins to provide compensation for lost income or incurred expenses. Often referred to as the “waiting period” or “deductible period,” it functions much like a time-based deductible. Typically, this period ranges from 24 to 72 hours, though it can vary significantly depending on the insurer, the specific terms of the policy, and the circumstances of the claim. Most policies specify a fixed waiting period in the documentation, during which the insured must bear the financial burden, as no reimbursement for income loss is provided. However, in some cases, businesses may negotiate shorter or longer waiting periods; opting for a shorter waiting period usually results in higher premiums, while a longer waiting period can reduce premium costs.

Can business interruption insurance cover expenses incurred during a temporary relocation?
Yes, business interruption insurance can cover expenses incurred during a temporary relocation if the relocation is necessary to continue operations after a covered event. This is typically included under the “extra expense” coverage of the policy, which is designed to reimburse costs that help minimize the overall business income loss. Policy terms and limits may apply, so it’s essential to confirm with the insurer.

How can Massachusetts businesses obtain business interruption insurance?
Reach out to the independent agents at Choice Insurance for a fast quote on business interruption insurance in Massachusetts. Our experienced team understands the unique challenges businesses face and will work with you to find the right coverage to protect your income, expenses, and operations during unexpected disruptions. Whether you’re safeguarding a small business or managing a larger enterprise, we’ll tailor a policy to meet your needs and provide peace of mind. Don’t wait for the unexpected—contact Choice Insurance today and ensure your business is prepared for any challenge.
Contact Us
Have questions or need a quote? No problem! Send our team a message and we’ll reach out shortly with the answers you need.
Send us a Message!