Business interruption insurance covers a wide range of things. It replaces business income in case of a disaster. Such events include fire, floods or any other natural disaster. Profits is also one of the fields covered by the policy. Based on previous performances, a policy provides reimbursement for profits that would have been earned in case the disaster didn't happen. Fixed costs is another thing covered under this insurance. It includes the operating expenses as well as other total costs incurred while a business is interrupted