Best Business Interruption Insurance Firms in USA
Non-sponsored, Expert Verified and Transparently Ranked Business Interruption Insurance Firms in USA
Published: December 28, 2025 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Business Insurance by Chubb scored highest due to Middle‑market and large enterprises needing comprehensive property and business income protection, flexible valuation/limits, and multinational support across suppliers, exhibitions, and dependent premises exposures..
Content Verification
Side-by-Side Comparison
| Feature | #1 Business Insurance (Chubb) | #2 FM Commercial Property Insurance (FM Global) | #3 Business Insurance (The Hartford) | #4 Programs (ZProgramsMatch) (Zurich North America) | #5 Business Insurance (Travelers) |
|---|---|---|---|---|---|
| Best For | Middle‑market and large enterprises needing comprehensive property and business income protection, flexible valuation/limits, and multinational support across suppliers, exhibitions, and dependent premises exposures. | Large industrial and multinational companies prioritizing property resilience and complex supply‑chain continuity, needing flexible time‑element valuation and broad contingent time‑element protection worldwide. | Small businesses that want business interruption protection integrated with property and liability in one BOP, plus options to extend coverage limits and add targeted endorsements. | Mid‑market companies seeking a modernized property form with integrated business income/extra expense, clearer terms, and flexible time‑element options to support complex operations and locations. | Small to midsize U.S. businesses seeking simple, budget-friendly business interruption protection bundled in a BOP, with coverage for ongoing expenses while damaged property is repaired. |
| Customization Options | Modular policy lets you tailor property and business income coverages, adjust blanket limits ($250k, $2M), and use an online BI/EE calculator to set limits. Optional global extension applies coverage worldwide. Liability global extension allows occurrence or claims‑made triggers, defense inside or outside limits, and tailored coverage territories. (chubb.com) (chubb.com) | Customization options: Time Element Select, choose production- or sales-based BI settlement after a loss; Contingent Time Element Extended for full supply-chain coverage; Sustainability Select, buy green/risk‑improvement parts together or per location; optional Logistics Extra Cost to reroute shipments; captives and captive cells for alternative risk transfer. (fm.com) | Customizable via endorsements/add-ons to the BOP: data breach/cyber; business income for off‑premises utilities; electronic data and interruption of computer operations; business income for essential personnel; umbrella; professional liability; commercial auto; workers’ comp; plus specific business income endorsements beyond the BOP to address unique risks. (thehartford.com) | Customization is program-specific and handled by Program Administrators with underwriting authority. (zurichna.com) Programs offer tailored policy terms and optional coverages, e.g., customized terms for large builders risk and flexible flood/earthquake options subject to underwriter review. (zurichna.com) | Customizable BOP with specialized and optional coverages (e.g., cyber, hired/non‑owned auto, contractors’ equipment). (travelers.com) Agents can tailor and add locations/coverages via BOP 2.0; 200+ coverage options available. (travelers.com) BIEE may be included or added; endorsements like Mobile Operations Vehicle. (travelers.com) Property programs offer flexible structures (primary, excess, quota share) and options like blanket and dependent business income/extra expense. (travelers.com) |
| Supply Chain Coverage | Customarq includes “worldwide dependent business premises” (contingent BI), covering income/extra expense when covered physical loss occurs at supplier or customer locations. Limits are configurable; some programs offer a $250k worldwide default with higher scheduled limits. An online BI/EE calculator helps set appropriate limits. (chubb.com) | proVision policy covers supply chain disruption, including entire chains: direct and indirect suppliers/customers, with losses of commissions, profits and royalties, and optional worldwide extension under one policy. CTEE and Logistics Extra Cost options extend protection to suppliers’ suppliers. FM also offers supply‑chain risk assessment/consulting support. (fm.com) | Supply chain coverage available via endorsements: Contingent Business Interruption/Business Income for Dependent Properties covers lost income when a key supplier, customer or shipper suffers covered property damage; plus Business Income Extension for Off‑Premises Utility Services for power/communications/water interruptions. Offered with Business Income/BOP packages; terms vary by policy. (thehartford.com) | PPP includes Business Income with Extra Expense plus time‑element sublimits relevant to supply chains: Unscheduled Locations time‑element coverage in the base BI+EE form and Utility Services time‑element coverage, including overhead lines. (zurichna.com) | Offers dependent business income/extra expense coverage for loss from damage at domestic or foreign dependent properties (e.g., key suppliers/customers). (travelers.com) BOP materials note BIEE can respond when a disaster strikes a major supplier affecting operations. (travelers.com) |
| Indemnity Period Flexibility | Chubb’s Customarq Classic automatically includes an unlimited period of indemnity for business income, no fixed time cap, continuing until operations are restored to pre‑loss levels. (chubb.com) | Time Element Select lets insureds choose production- or sales-based BI valuation after a loss. Production-based coverage has no preset period of liability (until pre-loss production capacity is restored); sales-based coverage has a specified time limit, typically 12 months. The choice can be made up to settlement, providing post-loss flexibility in the indemnity period. (fm.com) | Zero-hour waiting period; indemnity runs for the period of restoration (from loss until property is repaired/reopened). Flexibility via endorsements including Extended Business Income (post-reopening slowdowns) and civil authority/off-premises utilities/dependent properties extensions that can effectively extend payable time beyond strict repair timeframes. (thehartford.com) | Flexible Extended Period of Indemnity options are available on Zurich property coverages. (zurichna.com) PPP’s 2023 update also made the Extended Period of Indemnity include overhead transmission and distribution lines as base coverage (previously optional). (zurichna.com) | Business income extended period of indemnity: 180 days standard, with options to increase beyond 180 days. (travelers.com) |
ChubbCompany Information
Chubb is a global insurance company providing a range of insurance products for individuals, families, and businesses in the Benelux region. They offer various insurance solutions, including liability, property, cyber, and life sciences, as well as exclusive car insurance and masterpiece insurance for individuals.
Keywords
Description
At Chubb, we deliver excellence in all we do, being there when you need us most. We provide exceptional service to our customers and business partners—it's who we are.
What They Do
Chubb provides insurance solutions for individuals, families, and businesses, including property, auto, travel, and embedded insurance.
Who They Serve
Individuals, families, businesses, agents, and brokers.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Summary
Chubb’s Customarq Classic policy combines broad all‑risk property with robust business income features, including unlimited period of indemnity and worldwide dependent business premises. It also offers an online BI/EE calculator and modular options to tailor limits and extensions.
Key Features
- Customizable insurance products (liability, cyber, property, accident & health, etc.)
- Industry-specific solutions across 30+ industry practices
- Risk engineering and consulting services
- Claims support and business income consultation
- Coverage for businesses of all sizes
- Global reach and multinational capabilities
Key Benefits
- Tailored insurance solutions for unique business needs
- Coverage for a wide range of industry-specific risks
- Access to risk specialists and nearly 500 in-house risk engineers
- World-class claims service with high satisfaction rates
- Financial strength and stability
- Strategic partnership and insights for large and multinational businesses
Who Is It For
- Small businesses (startups to established local businesses)
- Large and multinational businesses
- Businesses across 30+ specialized industries
- Companies seeking tailored risk solutions
Tailored business insurance solutions
Chubb has protected businesses of all sizes, their employees and their reputations against industry-specific risks for more than 200 years. Let our risk specialists work to find the right business insurance coverage for your unique needs.
Products, services, industry expertise
Chubb’s expertise spans 30 specialized Industry Practices. Working together, our underwriters, risk and claims professionals tailor industry-specific solutions for each of our clients.
- Explore by industry: 30+ specialized industry practices
- Explore by product: Liability, cyber, property, accident and health
- Explore our services: Risk engineering, claims support, income consultation
Insuring businesses of all sizes
Small businesses at every stage look to Chubb for robust protections, world-class claims service, industry-specific knowledge and coverage options that insure against risks as they grow. Large & multinational businesses rely on Chubb for strategic partnership, insights, premium products and services, stability, financial strength and insurance industry leadership.
- Small businesses: robust protections, claims service, industry knowledge
- Large & multinational businesses: strategic partnership, insights, premium products
Business insurance excellence by the numbers
#1 Commercial lines insurer in the U.S.; 200+ years of experience; $21B claims paid globally (2023); 92% overall claims satisfaction (clients with a paid claim across 2022-2023)
- #1 Commercial lines insurer in the U.S.
- 200+ years of experience
- $21B claims paid globally (2023)
- 92% overall claims satisfaction (2022-2023)
Unique risk solutions across industries
Chubb’s industry practice specializations continue to grow in response to rising business segments, ensuring that our capabilities and products align strategically to the evolving risks that matter most in your industry.
- 30+ industry practices
- Industry-specific risk solutions
Prepare and prevent with Chubb Risk Consulting
Chubb’s in-house network of nearly 500 risk engineers helps businesses anticipate and minimize costly exposures. The Chubb Risk Engineering Center offers services on fire protection, equipment breakdown, worker safety and more.
- Fire protection
- Equipment breakdown
- Worker safety
- Next generation risk management
Insights & expertise
Learn more about market conditions and risks that affect your industry, leverage tips and strategies for protecting your business and see Chubb’s expertise in action with white papers, articles, and success stories.
- Evolving risks for the middle market
- Insurance costs depend on 4 factors
- Navigating risks in cleanrooms
- Cold weather safety tips for employees
- 4 steps for creating a safer worksite
- When middle markets go multinational
Get a business insurance quote that fits your business
Whether your business is large or small, we’ll leverage our premium products and services to create a plan that protects your business, your employees and your reputation. Talk to Chubb today.
Resources
Supporting Resources
Detailed Comparison
Customization Options
Supply Chain Coverage
Indemnity Period Flexibility
FM GlobalCompany Information
Description
With nearly 200 years of experience in property loss prevention, Factory Mutual Insurance Company is committed to helping businesses protect their assets through tailored insurance solutions and risk management strategies.
What They Do
They provide commercial property insurance and risk management solutions.
Who They Serve
Businesses across various industries seeking property insurance and loss prevention solutions.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Summary
FM Global’s business interruption solution offers Time Element Select, allowing insureds to choose production‑based or sales‑based BI valuation after a loss. Contingent Time Element Extended (CTEE) uniquely extends coverage across entire supply chains, beyond direct suppliers/customers.
Key Features
- The FM Advantage™ all-risk policy
- Climate resilience solutions with science-backed, data-based risk management tools
- Sustainability Select: flexible coverage for property risk and environmental responsibility
- Captives and captive cells for alternative risk transfer
- Loss prevention programs and engineering guidelines
- Broker partnerships for risk management support
- Dual delivery options for business needs
Key Benefits
- Client-owned mutual structure prioritizes long-term security
- Tailored, all-risk property insurance policies
- Risk engineering advice and support
- Sustainability support and climate resilience solutions
- Protection from loss of income following a disaster
- Comprehensive membership experience
- Business continuity and financial stability
- Access to proven risk management strategies and research
Who Is It For
- Businesses seeking commercial property insurance
- Organizations requiring risk management and loss prevention services
- Companies prioritizing business continuity and financial stability
- Fortune 500 companies (coverage provided to one in four)
- Clients interested in sustainability and climate resilience
- Businesses considering alternative risk transfer solutions (captives, captive cells)
Client-owned, client-focused: that’s the FM experience
When you choose FM, you're not just choosing a policy, you're choosing a partnership—aligning your resilience with our success. As a client-owned mutual, we prioritize your long-term security over short-term gains. With our investment in research and proven risk management strategies, we engineer tailored solutions that address your unique needs, offering you a comprehensive membership experience that drives business continuity and financial stability.
The FM Advantage™ all-risk policy
Build your business resilience with unrivaled benefits like risk engineering advice, sustainability support and protection from loss of income following a disaster. We now provide this coverage for one in four Fortune 500 companies.
Climate resilience solutions
Mitigate the risks of an ever-changing climate by identifying the exposures you face and actionable strategies for your business with our science-backed, data-based risk management tools.
Sustainability select
This two-part flexible coverage helps you reduce your exposure to property risk while allowing you to increase your environmental responsibility.
Captives
A captive can be a rewarding alternative if you have a long-term view of property loss prevention and are willing to share some risk.
Captive cells
If you’re not ready to fully commit to a captive, this is an easy and affordable way to enjoy the benefits without the upfront costs and capital investment.
Resources
Supporting Resources
Detailed Comparison
Customization Options
Supply Chain Coverage
Indemnity Period Flexibility
The HartfordCompany Information
The Hartford is a leading insurance company that provides a wide range of insurance products and services, including auto, home, business, and employee benefits. The company offers personalized coverage plans to meet the specific needs of its customers, and its insurance solutions are designed to protect individuals and businesses from unexpected events.
Keywords
Description
The Hartford is a leading provider of insurance solutions, specializing in auto, home, business, and employee benefits insurance. With over 200 years of experience, they are dedicated to protecting customers' assets and providing exceptional service.
What They Do
The Hartford offers insurance solutions for auto, home, businesses, and employee benefits.
Who They Serve
They serve individuals, small businesses, and large commercial entities, with specific offerings for AARP members.
Key Value Propositions
Customer Reviews
John Doe
Business Owner
Great service and support during claims process.
Target Customers
Industries Served
Contact Information
Key Pages
Summary
The Hartford’s business income insurance replaces lost income and helps cover continuing expenses when a covered physical loss forces temporary closure. It’s positioned as the same coverage as business interruption and can be customized via endorsements alongside a BOP.
Key Features
- General Liability Insurance: Covers lawsuits for negligence, bodily injury, property damage, libel, and slander
- Workers’ Compensation Insurance: Covers employee medical bills, rehabilitation, and lost wages due to work-related injuries or illnesses
- Professional Liability Insurance: Protects against claims of negligence in professional services or advice
- Commercial Property Insurance: Protects owned or rented buildings, tools, and equipment
- Commercial Auto Insurance: Covers costs of auto accidents involving business vehicles
- Cyber Insurance: Covers liability and costs related to cyber threats, data privacy, and network security
- Business Owner’s Policy (BOP): Bundles general liability, commercial property, and business income insurance
Key Benefits
- Personalized coverage options for various business types and industries
- Protection against lawsuits, property damage, employee injuries, cyber threats, and more
- Bundling options (e.g., Business Owner’s Policy) for cost savings
- Strong claims experience (4.7/5 star rating)
- Over 200 years of experience and more than 1.3 million small business customers
- Recognized as a World's Most Ethical Companies® honoree
Who Is It For
- Small businesses
- Midsize and large businesses
- Businesses that provide services or advice
- Businesses with employees
- Businesses with property or equipment
- Businesses that use vehicles for work
- Businesses that store sensitive data or run a website
Business Insurance Coverage in Minutes
Get personalized coverage in just a few clicks. The Hartford has over 200 years of experience, 1.3MM+ small business customers, and is rated #1 Digital Small Business Insurer by Keynova.
- 4.7/5 Star Claims Experience
- 200+ Years Serving Customers
- 1.3MM+ Small Business Customers
- #1 Digital Small Business Insurer
Find the Right Coverage for Your Business
Interactive quiz to help businesses identify needed coverages based on industry, business activities, and location.
- Select industry
- Identify business activities (service, vehicle use, sensitive data, employees, property/equipment)
- Enter business location
Get a Quote for Business Insurance
Business insurance helps protect business owners from unexpected losses and claims. The Hartford has a 4.8 star claims rating from over 18,000 customers.
- Protection for assets and employees
- Essential for startups and established companies
Choose the Best Types of Business Insurance
Overview of main business insurance types offered by The Hartford.
- General Liability Insurance
- Workers’ Compensation Insurance
- Professional Liability Insurance
- Commercial Property Insurance
- Commercial Auto Insurance
- Cyber Insurance
- Business Owner’s Policy (BOP)
What’s the Average Cost of a Business Insurance Policy?
Average annual and monthly premiums for key coverages. Costs vary by business.
- BOP: $1,687/year ($141/month)
- GLI: $810/year ($68/month)
- Workers’ Comp: $1,032/year ($86/month)
- PLI: $744/year ($62/month)
Popular Professions We Cover
Examples of professions and industries covered.
- Photographers
- Landscapers
- Real Estate Agents
- Restaurant Owners
More Industries We Insure
Extensive list of industries and professions eligible for coverage.
- See full list in 'industries_served'
The Hartford Business Insurance: Trusted Experience
The Hartford is a trusted insurer for businesses of all sizes, recognized for ethical practices and customer service.
- Over 1 million businesses served
- 16-time World's Most Ethical Companies® honoree
More Answers to Frequently Asked Business Insurance Questions
Links to FAQs and educational resources.
- What Does Business Insurance Cover?
- What Are Certificates of Insurance (COI)?
- Business Insurance Definition & FAQs
- Top 10 Reasons You Need Business Insurance
Resources
Supporting Resources
Detailed Comparison
Customization Options
Supply Chain Coverage
Indemnity Period Flexibility
Programs (ZProgramsMatch)
Zurich North AmericaCompany Information
Zurich North America is a leading insurance provider specializing in commercial property and casualty insurance services. With a focus on delivering risk management solutions, they cater to a diverse range of industries and businesses across North America.
Keywords
Description
Zurich provides specialized commercial insurance for various industries, ensuring your business is well-protected with individualized solutions.
What They Do
Specialized commercial insurance services across multiple industries.
Who They Serve
Businesses in various sectors including automotive, construction, healthcare, and more.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Social Media
Key Pages
Summary
Zurich’s PPP is a property package for mid‑sized businesses that streamlines time‑element coverage by combining Business Income with Extra Expense into a single form. Updates added clearer wording and included time‑element sublimits for unscheduled locations.
Key Features
- Online portal (ZProgramsMatch.com) for program discovery and inquiries
- Directory of specialty insurance programs by industry and risk type
- Direct submission of inquiries to Program Administrators
- No impact on other Zurich commission or profitability agreements
- Program Leader Magazine for industry news and updates
Key Benefits
- Access to a wide range of industry-specific insurance programs
- No Zurich appointment required to access or submit inquiries
- Direct connection to knowledgeable Program Administrators
- Programs underwritten by Zurich, an A.M. Best A+ rated company
- Streamlined inquiry and application process
- Regular updates on new and existing programs via email signup
Who Is It For
- Licensed P&C insurance agents (no Zurich appointment required)
- Independent agents and brokers
- Program Administrators
- Managing General Agents (MGAs)
- Businesses and organizations seeking specialty or industry-specific insurance solutions
Resources
Supporting Resources
Detailed Comparison
Customization Options
Supply Chain Coverage
Indemnity Period Flexibility
TravelersCompany Information
Travelers is a leading provider of insurance solutions, offering a wide range of personal and business insurance products to protect individuals, families, and businesses from various risks. With over 160 years of experience, Travelers is committed to helping its customers manage risks and achieve their goals.
Keywords
Description
Travelers provides a wide range of insurance products and services for individuals, families, and businesses, helping them manage risks and protect their assets.
What They Do
Travelers offers insurance products and services for personal and business needs, including auto, home, and commercial insurance.
Who They Serve
Individuals, families, and businesses across various industries.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Navigation Links
Summary
Travelers’ Business Income and Extra Expense (BIEE) coverage helps replace lost income and pay ongoing costs (rent, payroll) when operations are suspended by a covered loss. It’s available within a Business Owner’s Policy (BOP) for small businesses or as an add-on.
Key Features
- Commercial auto & trucking insurance
- Cyber insurance
- General liability insurance
- Management and professional liability insurance
- Property insurance
- Business owner's policy (BOP)
- Surety bonds
- Workers compensation insurance
- Business income and extra expense insurance (BIEE)
- Personal liability insurance
- Professional liability insurance
- Risk control and claims services
- Premium audit and risk management information services
Key Benefits
- Wide range of customizable insurance options to address unique business risks
- Helps manage claim costs and recover faster after unexpected events
- Supports business continuity and risk management strategies
- Financial strength and reliability (A.M. Best A++ rating for claims-paying ability)
- Access to industry expertise and risk control services
- Self-service tools for policy management and claims
Who Is It For
- Small businesses
- Large businesses
- Multinational companies
- Industry-specific businesses (e.g., construction, manufacturing, healthcare, technology, transportation, real estate, education, food services, hospitality, financial institutions, energy, auto and truck dealers, wholesale & distribution, nonprofit, public entities, marine industries, museums & fine art, propane gas distributors, equipment dealers & rentals, architects & design professionals, agribusiness, life sciences)
Commercial and Business Insurance
Travelers offers a wide range of business insurance options to help companies identify and reduce risks, manage claim costs, and recover faster after unexpected events.
Small business
Coverage and resources tailored for small businesses, including bundled policies and self-service tools.
Reducing risk with business insurance
Travelers helps businesses manage the total cost of risk, creating a competitive advantage and supporting business growth.
Industries
Coverage is available for a wide range of industries, with tailored solutions for each.
- Auto and truck dealers
- Construction
- Education
- Energy and renewable
- Financial institutions
- Food services
- Healthcare
- Hospitality and recreation
- Manufacturing
- Real estate
- Technology
- Transportation
Products & solutions
A variety of insurance products designed to protect businesses, including commercial auto, cyber, general liability, management and professional liability, property, BOP, surety bonds, and workers compensation.
- Commercial auto & trucking
- Cyber
- General liability
- Management and professional liability
- Property
- Small business owner's policy
- Surety bonds
- Workers compensation
Services
Customized protection and services based on business exposures, including risk control, claims, premium audit, and risk management information services.
- Risk Control
- Claims
- Premium audit
- Risk Management Information Services
Essential coverages
Key coverages for small businesses, including BOP, workers compensation, cyber risk, personal liability, professional liability, business income and extra expense, and general liability.
- Business owner’s policy
- Workers compensation insurance
- CyberRisk insurance
- Personal liability insurance
- Professional liability insurance
- Business income and extra expense insurance (BIEE)
- Commercial general liability
Business insurance fundamentals
Business insurance is critical for protecting against property loss, legal claims, and employee injuries. Some coverages are required by law.
How much does business insurance cost?
Cost depends on types of insurance, coverage limits, industry, location, size, and exposures. International operations may require additional coverage.
Travelers advantage
Travelers is rated A++ by A.M. Best for claims-paying financial strength.
Resources
Supporting Resources
Detailed Comparison
Customization Options
Supply Chain Coverage
Indemnity Period Flexibility
Our Ranking Methodology
How we rank these offerings
We ranked these Business Interruption Insurance Firms in USA based on three key factors: Indemnity Period Flexibility (40% weight), Customization Options (35% weight), and Supply Chain Coverage (25% weight). Chubb scored highest because of its unlimited period of indemnity, extensive customization options through modular policies, and strong worldwide dependent premises coverage.
Ranking Criteria Weights:
Frequently Asked Questions
- What are the typical costs and pricing models for business interruption insurance in the USA?
- Pricing models for business interruption insurance vary based on the coverage options and company policies. Travelers' BIEE coverage and The Hartford's business income insurance are often included in Business Owner’s Policies (BOP) for a premium, whereas Chubb’s offerings provide modular options to tailor limits and extensions. Costs can depend on industry risk factors and desired coverage scope, with FM Global providing flexible valuation methods based on production or sales. Generally, premiums may also be influenced by the location, size, and nature of the business operations.
- What key factors should decision-makers consider when selecting a business interruption insurance policy?
- Decision-makers should consider the comprehensiveness of coverage, as demonstrated by Chubb’s unlimited indemnity period and global reach compared to Zurich’s streamlined coverage for mid-sized businesses. The inclusion of add-ons like Travelers' Extra Expense coverage or The Hartford's customizable endorsements can be crucial. Coverage adaptability, such as FM Global’s CTEE for supply chain resilience, is also a significant consideration. Evaluating the insurer's financial stability and claims processing efficiency can further inform the selection process.
- Are there industry standards and compliance requirements that business interruption insurance must meet?
- In the USA, business interruption insurance is generally guided by state regulations with no uniform federal standards. Policies like those offered by Travelers and The Hartford align with industry best practices by providing coverage clarity and scalability. FM Global's inclusion of contingent coverage and Zurich’s explicit documentation improvements address common compliance concerns by providing detailed terms and conditions. Adhering to industry standards, companies must also focus on transparency and thoroughness in policy definition to ensure alignment with legal requirements.
- What challenges might businesses face when implementing business interruption insurance and what are some solutions?
- Challenges include understanding complex policy terms and aligning coverage with actual business risks. Chubb's modular approach and FM Global's Time Element Select options help businesses tailor coverage to specific operational needs, mitigating confusion. Companies like Travelers offer policies integrated within broader business packages, simplifying the purchasing process. Clear communication from insurers, supported by digital tools like online BI/EE calculators from Chubb, aids in understanding coverage benefits and limitations.
- How can businesses evaluate the ROI and value delivery of their business interruption insurance policies?
- ROI evaluation for business interruption insurance involves assessing the financial protection provided against potential revenue losses during interruptions. Hartford's policy that covers continuing expenses and lost income demonstrates significant value when disruptions occur. Chubb’s policy flexibility with unlimited indemnity periods can enhance ROI by covering extended recovery times, potentially outweighing premium costs. Furthermore, FM Global’s CTEE provisions add value by securing entire supply chains, underscoring the worth of investing in comprehensive coverage over baseline options.
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