A Year Is Not Enough – Maybe

Most property insurance programs limit coverage for loss of business income to 12 months.

Is that long enough for you? In many areas the time it takes to get permits and meet regulations can eat away 3 months or more. You need a contractor who can move quickly, and you may deal with labor and material shortages if your building is destroyed in a wide-area disaster.

Think about extending your business income insurance to 18 months.