Business income insurance or business interruption insurance helps to provide income for your marina business if there is any reason that your business cannot continue to operate. Even when you have plans in place for business continuity, there can be various situations when you might have to temporarily shut down your business or reduce your activity. Business income insurance replaces lost income while you are trying to get your business back to normal again. You shouldn’t be without income for months while you carry out repairs, rebuilding or anything else required to get back on your feet. Loss because of flood is typically excluded.