This insurance policy replaces lost income when a business is halted due to a qualifying event. Based on the type of event that occurred, your insurance company will estimate damages that qualify for coverage. This can include lost revenue, relocation costs, lease payments, loan payments, employee wages, taxes, and more. Any lost revenue that was caused because of the disruption can be compensated as long as it was the result of the interruption and directly related to a qualifying event. The insurance policy helps prevent the temporary or permanent closure of business so that you can continue running at a normal pace. Insurers lean on their own professionals to review and calculate the losses. They use a business interruption formula to come up with how much you will be compensated for.