Business Interruption Insurance

Protect Your Business From the Inside Out

When disaster strikes, insurance can help repair your building—but what about your lost income? Business Interruption Insurance helps keep your company afloat when you're forced to close temporarily due to a covered event. At St. Andrews Insurance, we help businesses in Panama City, Santa Rosa Beach, and throughout Florida safeguard what they’ve built—beyond just the bricks and mortar.

Why Business Interruption Insurance Matters

Coverage That Keeps the Lights On (Even When They're Off)

If a storm, fire, or cyberattack puts your operations on hold, the costs can add up fast—lost sales, missed contracts, rent, payroll. That’s where business interruption coverage comes in. It helps replace lost revenue and cover fixed expenses while you recover.

Without it, many small businesses struggle to stay open after a major disruption. With it, you gain breathing room—and peace of mind.

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What Business Insurance Interruption Covers

Lost Income

Replaces profits you would have earned during the closure period.
This is a key component of business insurance in Panama City, FL, helping local businesses stay solvent while they recover from a disruption.

Fixed Operating Expenses

Helps cover things like rent, utilities, and loan payments.
At St. Andrews Insurance, we ensure Florida business owners can maintain their financial commitments even when operations come to a halt.

Payroll Protection

Allows you to pay employees even while operations are paused.
This keeps your team intact and your business positioned to bounce back—especially critical for small businesses across Panama City and the Florida Panhandle.

Temporary Relocation Costs

Covers expenses if you need to move your business while repairs are underway. We help ensure continuity so your clients and customers don’t have to miss a beat—even if your location changes temporarily.

Extra Expenses

Includes costs you wouldn’t normally incur, like leasing equipment to stay open in a limited capacity.
This coverage helps St. Andrews Insurance clients stay flexible during unexpected downtime, reducing long-term loss.

Questions We Hear Most — With Answers

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  • Who Needs Business Interruption Insurance?

    If Your Business Has Overhead, You Need It. Any business that relies on a physical location or consistent operations to earn revenue can benefit from this coverage. That includes:

    • Retailers and restaurants
    • Professional service firms
    • Warehouses and contractors
    • Medical and dental practices

    If you're located in Panama City, Santa Rosa Beach, or other storm-prone parts of Florida, this coverage is especially critical.



  • Is business interruption insurance included in my policy?

    It depends. It’s often bundled with commercial property or BOP policies, but not always. We’ll review your current coverage and let you know exactly what you have—and what you may need.



  • What events qualify for business interruption coverage?

    Typically, covered events include fire, wind damage, vandalism, and other disruptions outlined in your policy. Floods and pandemics usually require separate coverage or specific endorsements.




  • How long does coverage last?

    Policies usually cover a set "restoration period"—often up to 12 months. We’ll help you determine the right time frame based on your operations and risks.

  • Can I add this to an existing policy?

    Yes. If you already have a policy with St. Andrews Insurance, we can review and add business interruption coverage where needed.

  • What events are typically covered by business interruption insurance?

    Business interruption insurance usually covers losses from events like fire, storm damage, or vandalism—any incident already covered under your property policy. It does not typically cover pandemics, flooding, or utility outages unless specifically added.

  • How long does business interruption insurance provide coverage?

    Coverage lasts for the “restoration period”—the time it reasonably takes to repair or rebuild your business and resume operations. We’ll help you understand your policy’s timeline and ensure it aligns with your real-world recovery needs.

Local Help, Real Answers

Steady Support When Things Feel Uncertain

At St. Andrews Insurance, we know how disruptive a sudden closure can be. That’s why we make business interruption coverage simple, clear, and tailored to your needs. Let’s build protection that helps you keep moving—no matter what comes your way.

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