California Business Interruption Insurance

Business Interruption Insurance
for Business Owners

What is Business Interruption Insurance?

Business Interruption Insurance protects business owners when something happens that to their company that causes it to temporarily close down. It provides business owners with an agreed amount of monthly income to replace the revenue that is lost while the firm is closed.

While statistics vary, a majority of small businesses closed for even a short time after a fire, flood, or major damage never reopen or fail within a short time after reopening. If a company loses its computer information and files, the rate of failure is higher. Without business income insurance, many companies simply get too far behind financially to recover.

Who Needs Business Interruption Insurance?

While it is more important for small businesses, any size company should consider getting a business interruption plan because any size company can experience an incident that can lead to it temporarily being shut down.

When a disaster happens that causes you to pause on your business, your business starts bleeding money. It may leave you in a financial situation that won’t allow you to ever reopen. Having a business interruption plan could mean the difference of being forced to permanently close or having the opportunity to reopen.

What does a Business Interruption Policy Typically Cover?

When theft occurs or a business experiences an accident that puts a halt on business operations, a business interruption policy covers that business until they resume again.

It can help reimburse you for lost income due to destroyed merchandise or for extra expenses, such as costs associated with temporarily relocate your business.

Determining the amount of coverage you need depends on your business. If you’re wondering how much coverage you should get, we’d be glad to help you.

Our Process


Work with an Expert Who Knows Your Industry

O’Kane & Tegay Insurance Brokers takes the guesswork out of choosing the right business interruption insurance policy for your business. We connect you to an industry specialist, which means you’ll talk to someone who spends their whole day helping organizations like yours.

Need to update your policy? No problem. Reach out to your agent at any time and enjoy the quick response you need as a 21st-century business owner, paired with service so friendly and helpful it feels like a throwback.

Our team stays up to date on the latest insurance laws and coverage changes, so you can rest easy knowing you’ll get the right coverage for the work you do.


Get Quotes from the Country’s Top-Rated Insurance Companies

As an insurance broker, O’Kane & Tegay’s role is to give you access to policies from the best insurance companies in the country. Whether you need business interruption insurance, business umbrella insurance, builder’s risk insurance, business owner’s insurance, or errors and omissions (E&O) insurance to comply with state laws, you can find it here.

We’ve already helped hundreds of organizations protect their community. Discover why they consistently rate us 4.9 out of 5 stars.


Select Your Quote

Have questions about the pros and cons of your quotes, our experts are here through every step of the process. Making sure you get the right coverage for the best price. We help keep your business safe.

Call 415-242-8777 Monday – Friday: 8 AM – 5:30 PM PST

Happy Customers

Thanks O’Kane & Tegay! I’ve been a happy customer for a few years and have always appreciated the good rates. I’m also very impressed with their friendly, quick and efficient customer service. I highly recommend you call or visit these guys if you need a new insurance policy or want a better rate and/or better service.

Brian B.

A friend of mine refered me to these guys for an event I was planning here in San Diego. Yes they are in San Francisco and I am in San Diego. I can not begin to tell you how easy this was. I dont understand insurance and I dont want to understand insurance. They helped me feel at ease from start to finish. Fast easy affordable. I never thought that existed when dealing with insurance before now. Great job and thanks for the help!

Doof R.

Grab-N-Go- Information

Top 5 Reasons Business is Interrupted
  • Damage to Building
  • Product Default
  • Employee Error
  • Theft
  • 3rd Party Interruption
Real Talk About Business Interruption Insurance

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