Business Interruption Insurance Calculator
Last updated: July 2026
Estimate a business income coverage need for a potential restoration period.
Suggested planning coverage
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- Base income and expense need: —
- Extra expense allowance: —
- Average protected amount per month: —
On this page
Quick summary: Estimate a business income coverage need for a potential restoration period. Enter realistic assumptions and compare more than one scenario before making a financial or insurance decision.
Read the complete guide
What this calculator estimates
Estimate a business income coverage need for a potential restoration period. It is designed for fast planning and comparison in the United States. The output is an estimate, not a binding quote, tax determination, insurance offer, valuation or professional recommendation.
How to use it
Enter values from your payroll records, insurance quote, budget or financial statements. Keep time periods and rates consistent. Select Calculate, review the headline result and supporting figures, then change one assumption at a time to test another scenario.
How the calculation works
The estimate protects continuing monthly expenses and monthly net profit for the restoration period, adds extra expenses, then applies a contingency buffer.
Important limitations
Policy definitions, waiting periods, restoration limits, coinsurance, exclusions and actual loss calculations can materially change coverage.
Frequently asked questions
Is the result exact?
No. It is a planning estimate based on the values entered.
Can I compare different scenarios?
Yes. Change one input at a time so you can see which assumption changes the result.
Does the calculator store my inputs?
The calculation runs in the browser and does not require an account. Avoid entering unnecessary confidential information.