Business Interruption Insurance May Be the Key

What would happen if a fire, storm or major theft caused your business to shut down? How would you pay for your ongoing expenses without revenue from ongoing operations?  Sure, your property insurance will most likely cover the damage or loss, but it’s going to take time to repair your premises and/or replace your inventory and resume operation.

How will you pay your fixed expenses like:

  • Rent
  • Interest
  • Vendor Costs
  • Utilities

More importantly, how are you going to cover payroll? Will you be able to retain your staff during the shutdown, and how will your employees get along without a paycheck?

Of the businesses that suffer a major disaster, 40% never reopen. Of the 60% who do reopen, 1 in 4 of those will fold within 12 months. The major reason is the loss of income during the shutdown.

Business interruption insurance, also known as business income insurance, can be the answer. Business income insurance covers your fixed costs that incur during repairs to your business. It will also cover any increased costs you might incur because of the loss (having to rent a temporary storage space for your stock, for example).

While your businessowners insurance policy *may* provide some business income coverage, it may not be enough, and regular business property and liability insurance policies do NOT include business income coverage (generally).

Make sure your business operations, and revenue, are protected with business interruption insurance. Contact us today for a review of your current insurance program or for a quote.

In the meantime, here’s a short video that highlights the importance of business income insurance.


About Dawson Insurance

The first independent insurance agency in Dawson County, Dawson Insurance has a history of excellence since 1964. Located in Dawsonville, Georgia, we also offer unparalleled service and competitive quotes to personal and business insurance clients in Cumming, Gainesville, Alpharetta and throughout the entire State of Georgia.


We are happy to announce that our office will reopen our lobby for in person transactions on Monday, June 8th. We’re doing our part to make your in person experience as safe as possible for everyone, and we need your help. When you come into our office, you’ll see the following:

• Lobby Capacity Limits: We will limit the number of members to a maximum of two (2) at a time to allow for proper physical distancing in every branch.
• Social Distancing: We installed floor markers and have positioned office chairs to encourage proper physical distance between yourself, other clients, and our employees.
• Cleaning and Disinfecting: We are following enhanced cleaning and disinfecting protocol that includes cleaning commonly used areas and equipment in high-touch surfaces.
• Protective Barriers: We have installed a protective barrier at our reception desk to protect both you and our employees.
• Limited Exposure: We will be prohibiting outside food and beverage from entering our office, and our restrooms are closed for public use to limit contact and exposure.

Thank you for your continued support and patience as we work to ensure everyone’s safety.