When the doors close, the bills don't.
Fire, flood, burst pipe — the property damage gets repaired eventually. But rent, payroll, loan payments, and supplier contracts don't pause while you rebuild. Business interruption insurance keeps the business alive while the building recovers.
Most businesses don't die from the fire. They die from the six months after.
Statistics say a huge share of businesses that suffer a major loss never reopen — not because the building couldn't be fixed, but because the money ran out first. Customers drifted, staff left, the lease still came due.
Business interruption is the coverage that buys you time: your lost profit, your continuing expenses, the extra cost of operating from a temporary location. It's the least glamorous coverage on your policy — and the one that decides whether you reopen.
What's covered
Every risk is different, so every policy is built — not pulled off a shelf. Here's what a business interruption program typically includes:
Lost business income
Replaces the profit you'd have earned while operations are suspended by a covered loss.
Continuing expenses
Rent, loan payments, taxes, and other fixed costs keep getting paid while revenue is zero.
Extra expense
The cost of the temporary location, expedited shipping, and overtime that keeps you serving customers.
Payroll protection
Keep key staff paid through the shutdown so you're not rebuilding a team and a business.
Civil authority coverage
When the government closes your street — not your building — and customers can't reach you.
Contingent interruption
When your key supplier or customer suffers the loss and it starves your business.
How it works
Ten minutes on the phone. What you run, what you own, what keeps you up at night. No forms, no phone trees.
I take your file to 60+ insurers and specialty markets through Aaxel and make them compete for your business.
Clear options, straight numbers, coverage that actually fits. You decide — I handle the paperwork.
Ontario businesses can't afford to guess
From restaurants on Mississauga's busiest strips to manufacturers in Brampton's industrial parks, I build interruption coverage around real financials — not round numbers. The limit should reflect your actual gross earnings and how long rebuilding really takes in today's construction market.
Questions, answered
How much business interruption coverage do I need?
Enough to cover your gross earnings plus continuing expenses for a realistic rebuild period — often 12–24 months in the current construction environment. I calculate it from your financials, not a rule of thumb.
Does it cover pandemics or government shutdowns?
Standard policies generally don't cover pandemics — but civil authority coverage does respond to other government-ordered closures like evacuations. I'll explain exactly where the lines are.
Isn't this just part of my property policy?
It's often added to a property policy, but the limit and indemnity period need to be set deliberately. A default 12-month period is wrong for a lot of businesses — I make sure yours is right.
How do I get a quote?
Call or text me at 226-543-1313, or email sukhman.buttar@aaxelinsurance.com. Tell me what you need covered and I'll shop it across 60+ insurers and specialty markets — most quotes come back within one business day.
What areas do you serve?
I'm based in Mississauga and work with clients across the GTA and all of Ontario. Through Aaxel Insurance Brokers Ltd., coverage can also be placed in Alberta, British Columbia, and Nova Scotia.