Business Interruption Insurance from Massachusetts Specialists

Roger Keith & Sons

When an unexpected event disrupts your business, your revenue doesn’t have to stop. At Roger Keith & Sons Insurance, we help Massachusetts businesses stay resilient with Business Interruption Insurance that may include coverage for lost income, ongoing expenses, and recovery costs. 

Our experienced agents understand the unique risks local businesses face—from storms and fires to supply chain issues—and are ready to tailor coverage that fits your operations and goals.

What Is Business Interruption Insurance and Why Does It Matter?

Business Interruption Insurance helps protect your company’s financial stability when an unexpected event forces you to close temporarily. While commercial property insurance covers the physical damage to your building or equipment, Business Interruption coverage focuses on the income you lose during downtime. It may include compensation for lost revenue, rent or lease payments, employee wages, taxes, and even loan payments—helping your business stay afloat until normal operations resume.

At Roger Keith & Sons, we help clients assess their risk exposure and estimate how long it could take to get back to business after a covered loss. By planning ahead, you can minimize disruptions and maintain confidence, even in uncertain times.

How Can Business Interruption Insurance Help Your Massachusetts Business Recover Faster?

In Massachusetts, severe weather, fires, and power outages can happen when you least expect them. A temporary closure—whether for a week or several months—can significantly affect your bottom line. Business Interruption Insurance may help your business recover faster by covering income lost during repairs or rebuilding, so you can focus on serving customers again.

For example, if your storefront is damaged by a storm and you can’t operate for several weeks, this coverage can help replace the income you would have earned. It may also reimburse you for temporary relocation expenses or the extra costs of running your business from another location. For Massachusetts business owners, that peace of mind is invaluable when every day of closure impacts your reputation and revenue.

What Types of Losses May Be Covered Under Business Interruption Insurance?

Every business is unique, and so are the risks it faces. Business Interruption Insurance may include coverage for:

• Lost income due to a covered event (like fire, vandalism, or natural disaster)
• Operating expenses, such as rent, utilities, and employee wages
• Temporary relocation costs if you must move to another location
• Loan and tax payments that continue even when business stops
• Extra expenses to minimize downtime, such as expedited shipping or temporary equipment rental

At Roger Keith & Sons Insurance, our team works closely with you to identify what matters most to your business and ensure your policy provides comprehensive protection.

Why Choose Roger Keith & Sons for Business Interruption Insurance in Massachusetts?

Since 1879, Roger Keith & Sons Insurance has been proudly serving Massachusetts communities with personalized service and trusted expertise. We’re a local, family-owned agency that understands the challenges of running a business in New England. Our team takes the time to understand your operations, assess your risks, and find coverage that fits both your needs and budget.

When you partner with us, you get more than a policy—you get a relationship built on reliability and trust. We advocate for you, guide you through the claims process, and help you recover quickly when disruptions occur. That’s the value of choosing an independent agency that knows Massachusetts businesses inside and out.

How Do You Determine How Much Business Interruption Coverage You Need?

Determining the right amount of Business Interruption coverage is essential to ensuring your business can recover fully after a loss. The process involves evaluating your projected revenue, ongoing expenses, and potential downtime in the event of a disruption.

At Roger Keith & Sons Insurance, we work with you to estimate realistic recovery timelines and analyze your business’s financial needs. We may recommend reviewing your coverage annually, especially if your operations or revenue have changed. The goal is to make sure your policy aligns with your current business model—so you’re never underinsured when you need coverage most.

What Kinds of Businesses in Massachusetts Benefit Most From This Coverage?

Almost any business that relies on a physical location or daily operations can benefit from Business Interruption Insurance. That includes retail stores, restaurants, manufacturing facilities, contractors, professional offices, and more.

In Massachusetts, where seasonal storms, winter damage, and infrastructure issues can lead to unexpected closures, this coverage can be especially important. Even service-based companies can experience revenue loss if they can’t access their office or equipment. Roger Keith & Sons Insurance helps businesses across sectors—from small startups to established enterprises—develop customized protection that helps keep cash flow steady during recovery periods.

Can Business Interruption Insurance Be Combined With Other Coverages?

Yes. Business Interruption Insurance often works best when it’s part of a broader commercial insurance plan. Many Massachusetts business owners combine it with Property Insurance, General Liability Insurance, or a Business Owners Policy (BOP) for complete protection.

Your policy may also be enhanced with contingent business interruption coverage, which helps if a supplier or key partner experiences a loss that affects your operations. We’ll guide you through these options so you can select the coverage combinations that make sense for your business structure and risk profile.

How Can You Get Started With Business Interruption Insurance Today?

Getting started is simple. The first step is a conversation with one of our knowledgeable agents at Roger Keith & Sons Insurance. We’ll take time to understand your business, identify potential interruptions, and recommend coverage that aligns with your financial goals and risk tolerance.

Whether you’re a small business owner in Plymouth County or managing multiple locations across Massachusetts, our team is here to help protect what you’ve built. Contact us today for a personalized quote or to learn how Business Interruption Insurance can help safeguard your company’s future.