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Insurance & Protection · Business Insurance
Business Interruption Insurance Calculator
Short answer: What does the Business Interruption Insurance Calculator calculate?
The Business Interruption Insurance Calculator works out recommended business income limit, monthly income at risk and loss during restoration. Estimate the business income coverage you would need to stay afloat while your premises are repaired after a covered loss. It uses US rules and USD, and it is free to use on this page.
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See the business income limit you would need — results update as you type.
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Estimates only — not a loan offer or financial advice. Switch theme and light/dark above to see how it could look on your site.
Put this calculator on your websiteWhat this calculator does
What the Business Interruption Insurance calculator works out
The Business Interruption Insurance Calculator is a free, embeddable calculator from CalcFunnel. Estimate the business income coverage you would need to stay afloat while your premises are repaired after a covered loss.
You enter 8 inputs: monthly net profit, monthly continuing expenses, monthly payroll to keep paying, peak-season adjustment (%), months to repair & reopen, extended recovery months, average income during recovery (% of normal) and extra expense.
It returns recommended business income limit, monthly income at risk, loss during restoration, loss during extended recovery and extra expense.
Built for insurance agents and benefits advisors. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category.
Results it shows
- 01Recommended Business Income Limit
- 02Monthly Income at Risk
- 03Loss During Restoration
- 04Loss During Extended Recovery
- 05Extra Expense
The first figure — recommended business income limit — is the headline result.
Inputs
What you can change
Every field visitors can adjust, straight from the calculator, with the same help text they see on the info icon. Each one starts with a sensible default, and the 5 results update as they type.
Monthly Income at Risk
- Monthly Net Profit
- Average monthly profit before income taxes. Use a figure for the months most likely affected if your business is seasonal.
- Monthly Continuing Expenses
- Costs that keep running while you are closed: rent, loan payments, utilities minimums, insurance, subscriptions, taxes.
- Monthly Payroll to Keep Paying
- Wages and payroll taxes for the staff you would keep on so they are there when you reopen.
- Peak-Season Adjustment (%)
- Add a percentage if a shutdown during your busy season would cost more than an average month.
Shutdown & Recovery
- Months to Repair & Reopen
- The period of restoration: how long it would realistically take to rebuild or relocate, including permits and equipment lead times.
- Extended Recovery Months
- Months after reopening before sales return to normal (extended period of indemnity).
- Average Income During Recovery (% of normal)
- How much of your normal income you expect to earn, on average, during the extended recovery months.
- Extra Expense
- One-time costs to keep operating or reopen faster: temporary location, equipment rental, expedited shipping, overtime, moving.
Definitions
Business Interruption Insurance terms, defined
The terms this calculator uses, in plain words. The same definitions appear inside the calculator for your visitors.
- Business interruption (business income) insuranceSeguro por interrupción de negocio (ingresos del negocio)
- Coverage that replaces lost net income and pays continuing expenses when a business has to close or slow down because of direct physical damage from a covered cause, such as a fire. It is usually added to a commercial property policy or included in a business owner's policy (BOP).Una cobertura que reemplaza la ganancia neta perdida y paga los gastos que continúan cuando un negocio debe cerrar o reducir su actividad por daños físicos directos de una causa cubierta, como un incendio. Normalmente se agrega a una póliza de propiedad comercial o se incluye en una póliza para dueños de negocios (BOP).
- Continuing expensesGastos que continúan
- Costs that do not stop when you close: rent or mortgage, loan payments, insurance, some utilities, software and lease payments. Business income coverage pays these along with lost profit.Costos que no se detienen cuando cierra: renta o hipoteca, pagos de préstamos, seguros, algunos servicios públicos, software y pagos de arrendamiento. La cobertura de ingresos del negocio los paga junto con la ganancia perdida.
- Ordinary payrollNómina ordinaria
- Wages for employees you keep paying during a shutdown so you do not lose them. Some policies limit ordinary payroll coverage to a set number of days unless you buy more, so check the policy.Los salarios de los empleados a quienes sigue pagando durante un cierre para no perderlos. Algunas pólizas limitan la cobertura de la nómina ordinaria a cierto número de días a menos que compre más, así que revise la póliza.
- Period of restorationPeríodo de restauración
- The time from the damage until the property should be repaired or replaced with reasonable speed, or the business moves to a new location. A coverage waiting period, often 72 hours, usually applies at the start.El tiempo que transcurre desde el daño hasta que la propiedad debería repararse o reemplazarse con una rapidez razonable, o hasta que el negocio se traslada a otro lugar. Normalmente se aplica al inicio un período de espera de la cobertura, a menudo de 72 horas.
- Extended period of indemnityPeríodo de indemnización extendido
- Coverage for income lost after reopening, while customers return. Standard forms include a short extension, often 60 days; longer periods can be added by endorsement.La cobertura del ingreso perdido después de reabrir, mientras regresan los clientes. Los formularios estándar incluyen una extensión corta, a menudo de 60 días; se pueden agregar períodos más largos mediante un endoso.
- Extra expenseGastos adicionales
- Reasonable extra costs to avoid or shorten a shutdown, such as renting a temporary space, leasing equipment or paying for overnight shipping. It is often a separate limit from business income.Costos adicionales razonables para evitar o acortar un cierre, como rentar un espacio temporal, alquilar equipos o pagar envíos urgentes. A menudo tiene un límite separado del de los ingresos del negocio.
- CoinsuranceCoaseguro
- Many business income forms require a limit equal to a percentage (such as 50%, 80% or 100%) of a year's net income plus continuing expenses. Carrying less can reduce what the policy pays on a claim.Muchos formularios de ingresos del negocio exigen un límite igual a un porcentaje (como el 50%, el 80% o el 100%) de un año de ganancia neta más los gastos que continúan. Tener menos puede reducir lo que paga la póliza en un reclamo.
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Paste the snippet where the Business Interruption Insurance Calculator should appear. It renders into your page, fills the width of its container and grows to fit.
Best for: Landing pages, blog posts, calculator pages
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A button sits on your page; one click opens the calculator in a popup over it.
Best for: Pricing sections, hero areas, listings
Floating corner widget
Paste once (or in your site-wide footer code) for a floating bubble in the corner of every page.
Best for: Site-wide, always one click away
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Your own link or button
Give any existing link, button or image a class and it opens the calculator when clicked.
Best for: Menus, images, in-text links
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Direct link
A full-page link to the calculator for emails, social posts, QR codes or a menu item.
Best for: Email, social, print, QR codes
Floating launcher
A bubble in the corner of every page opens a menu of your calculators.
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Tabs
Calculators side by side in one block on the page, switched with tabs.
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Buttons
A row of buttons; each one opens its calculator in a popup.
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Cards grid
A grid of cards with an icon and a short blurb; click to open the calculator.
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FAQ
Business Interruption Insurance calculator FAQs
Still stuck? Ask the team — we reply within one business day.
Q.01What does the Business Interruption Insurance Calculator calculate?
Estimate the business income coverage you would need to stay afloat while your premises are repaired after a covered loss. It returns recommended business income limit, monthly income at risk, loss during restoration, loss during extended recovery and extra expense.
Q.02What information do I need to use the Business Interruption Insurance Calculator?
You enter 8 inputs: monthly net profit, monthly continuing expenses, monthly payroll to keep paying, peak-season adjustment (%), months to repair & reopen, extended recovery months, average income during recovery (% of normal) and extra expense. Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Monthly Net Profit” mean in the Business Interruption Insurance Calculator?
Average monthly profit before income taxes. Use a figure for the months most likely affected if your business is seasonal.
Q.04What does “Monthly Continuing Expenses” mean in the Business Interruption Insurance Calculator?
Costs that keep running while you are closed: rent, loan payments, utilities minimums, insurance, subscriptions, taxes.
Q.05Is the Business Interruption Insurance Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category. Compare plans.
Q.06Can I embed the Business Interruption Insurance Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Can I change how the Business Interruption Insurance Calculator looks?
Yes. Choose from 12 themes, each in light and dark, then set your own brand colors and font. Ledger, Minimal, Compact come with every plan; the others unlock on Pro and Business.
Q.08Is the Business Interruption Insurance Calculator available in other languages?
Yes. It works in English, Spanish, Simplified Chinese, Korean, Vietnamese and Arabic, with a right-to-left layout in Arabic. Labels, tooltips, results and definitions are translated, visitors can switch language inside the calculator, and amounts stay in US dollars and US number format.
Q.09Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.10Are the Business Interruption Insurance results financial advice?
No. Estimates only. A simplified worksheet based on the monthly figures and time periods you enter. Policies define business income, waiting periods (often 72 hours), coinsurance and the period of restoration in their own terms, and pay only after direct physical loss from a covered cause. Premiums are not estimated. Have your accountant complete the insurer's business income worksheet and consult a licensed insurance professional.
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