Have you considered what you would do in the case of a fire? I’m sure you are covered for the actual property damage, but would you be able to continue business as normal immediately? It's unlikely, so how will you make money?
You should be considering business interruption insurance for this. Business interruption insurance can be as vital to your survival as a business as fire insurance. Most people would never consider opening a business without buying insurance to cover damage due to fire and lightning. But too many small business owners don’t think about how they would manage if a fire or other disaster damaged their business premises so that they were temporarily unusable.
Business interruption insurance covers you for loss of income during periods when you cannot carry out business as usual due to an unexpected event. A business that must close completely while the premises are being repaired may lose out to competitors. Getting back up and running as quickly as possible after a disaster is essential.
Business interruption insurance aims to put your business back in the same trading position it was in before the event occurred. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the disaster not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.
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https://www.entrepreneur.com/article/224982