Business Interruption Insurance

Keep Your Business Going With Business Interruption Insurance Coverage

Pennsylvania Businesses Trust Miller Carlisle To Find the Best Business Interruption Insurance Policy

Also Known as Business Income Insurance, It’s an Important Piece of Your Business Insurance Portfolio

When the unforeseen happens and your business – and your business income – is suddenly and unexpectedly interrupted, that’s exactly what business interruption insurance is for.

And finding you the smartest possible business interruption insurance policy is what Miller Carlisle is for.

Since 1978, businesses around Pennsylvania have relied on Miller Carlisle Insurance Services LLC to provide them with the right business interruption – sometimes called business income – insurance coverage. Our independent agency dives deep to understand exactly what circumstances could cause your business income to come to a temporary stop . . . and we survey all eligible mutual insurance companies in the commonwealth of Pennsylvania to find the right business interruption policy that’ll be there when you need it.

Don’t wait until the unexpected happens. Call the friendly, experienced agents at Miller Carlisle Insurance Services and ask about business interruption (a.k.a. business income) coverage. One day you may be very glad you did.

Business Interruption Insurance, Explained by the Experts

So What Does Business Interruption Insurance Cover, Anyway?

Catastrophic fire. Theft. Property damage. Embezzlement. Immediate closure by a civil authority. Coverage provided by business interruption insurance may come into play in the event of any of these covered perils or others.

There are various business interruption claims wherein this type of insurance coverage may be in force:

If your hardware store or movie theater catches fire and you need to close for a six-month repair-and-restoration period, you’ll need money on hand. If your restaurant is hit with a government-mandated closure (which may not even be your fault) and your small business is harmed by income loss, you’ll need money on hand.

If you ever experience the extreme betrayal of embezzlement and suddenly cannot pay employee wages, lease payments, or loan payments, you’ll need money on hand. If you’re ever forced to move your business premises to a temporary location and are enduring lost income in the interim (even though operating expenses are still coming at you), you’ll need money on hand.

Unless you’re lucky enough to self-insure, that money will most likely come from business interruption coverage.

Pennsylvania businessowners should also know that a standard business interruption policy offers several options – called riders – that may be recommended, depending upon the type of business you operate and the kinds of covered events you could face.

Most business interruption policies offer a series of add-on riders such as:

Contingent business interruption coverage: If a supplier or vendor suddenly cannot supply you with products or services necessary to your business, you may have a claim for benefits during that business interruption period.

Extended business interruption coverage: If a fire, vandalism, or other severe damage results in direct physical loss of your business property and you have to temporarily close or move to a new or temporary location, this rider covers lost income, fixed expenses, and relocation costs until such time as your revenue returns to normal levels.

Civil authority coverage: Let’s say a natural disaster causes damage to or physical loss of your commercial property, or there’s a sudden outbreak of violence in the vicinity of your business. If a government agency decides to temporarily close your business for any reason, this rider may be effective in maintaining your payment of fixed costs and other reasonable expenses.

Extra expense coverage: When you’re dealing with a severely damaged property, there could be additional expenses incurred, such as moving, rent, training costs, or overtime for employees. When business interruption losses go beyond what’s typical, this rider can help your business recover and stay afloat in the meantime.

If anything happens that results in lost revenue, make sure that money is on hand. Protect the long-term well-being of your Pennsylvania business and maintain your ability to pay payroll, taxes, operating expenses. Purchase a well-chosen business interruption insurance policy through Miller Carlisle Insurance Services LLC, and let yourself rest a little easier.

Types of Businesses That Should Seek Business Interruption Protection

Who Needs Business Interruption Coverage, Anyway?

If you’re the founder, CEO, or senior vice president of a business – any business – in Pennsylvania and you worry about the possibility of sudden income loss and an inability to pay wages, rent, operational expenses, and additional costs, then you really should look into business interruption insurance.

Just to name a few business categories for which business interruption insurance is most needful and effective:

• Home-based entrepreneurs and businesses
• Storefront and retail businesses
• Companies that rent/lease office space
• Businesses based outdoors
• Family-owned and small businesses

Be sure you always have the resources to maintain business operations – even in the sudden, unexpected event of drastically reduced or altogether lost income. Protect your Pennsylvania business from a covered loss and keep rolling despite the setback with business interruption insurance purchased through Miller Carlisle.

It’s the best way to stay in business and keep your dream alive.

Miller Carlisle Is an Independent Pennsylvania Insurance Brokerage

Unbeholden to Any Particular Insurance Provider, We’ll Find the Best Business Interruption Insurance Policy at the Best Business Interruption Insurance Cost

We’re proudly independent. In the insurance industry, that means we’re not forced to sell one kind of policy from just one insurance carrier. That is, we’re not captive agents. Instead, we deal with some of the most reputable and recognized insurance providers in the business insurance business.

As a result, your Miller Carlisle agent is able to survey the entire spectrum of insurance providers licensed in the commonwealth of Pennsylvania, and present you – the business owner and our valued client – with a range of choices. By working with so many insurers, together we’ll determine which one is right for your business.

Leverage our independence to your advantage. Work with Miller Carlisle to secure a business interruption insurance policy, and get the very best rates for this critical safeguard . . . while maximizing your business interruption insurance coverage.

Serving Your Business Insurance Needs in Pennsylvania Since 1978

From Philly to the ‘Burgh and Allentown to Erie, Miller Carlisle Is Your Business Insurance Coverage Agency

Over our many decades as a Pennsylvania insurance brokerage, Miller Carlisle has assisted many, many businesses – small businesses and large – to obtain the right insurance coverage for their situations. That includes not just business interruption insurance, but commercial property insurance policies, commercial umbrella insurance policies, business owners policies, general liability insurance policies, and the complete range of insurance products that you, as a business owner, could possibly need.

What’s more, we’re there after the sale too, guiding you to the right source if you ever need to file a claim. We’re a true full-service Pennsylvania insurance agency.

So whether your business is located in Pittsburgh or Philadelphia, Harrisburg or Altoona, the Lehigh Valley or the Allegheny Mountains, Miller Carlisle Insurance Services LLC is the agency to work with when you need insurance policies to protect your gross earnings and future profits.

Run a Business in Pennsylvania? Contact Miller Carlisle Today

We’re Easy To Reach By Phone, Online, or at Our Carlisle PA Home Office

Take the first step toward getting the best business interruption insurance coverage available. Talk with the experienced agents of Miller Carlisle Insurance Services LLC and let’s get the ball rolling toward the right coverage.

Protect your business to the utmost with a simple call or a couple clicks:

• Call us at 717-243-4400
• Email us at [email protected]
• Submit the short form on the right-hand side of this webpage

Make sure your business interruption insurance coverage extends as far as you could possibly need it to. Protect your business income with a smart business interruption insurance policy purchased through Miller Carlisle . . . and keep your business going strong.