Business Interruption Insurance Calculator
Last updated: October 15, 2026
Estimate a business income coverage need for a potential restoration period.
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
Suggested planning coverage
—
- 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.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate a business income coverage need for a potential restoration period.
How to use it
Enter Monthly continuing expenses ($); Monthly net profit to protect ($); Estimated restoration period in months; Extra expense allowance ($); Contingency buffer (%). Select Calculate to update the results.
How the calculation works
The estimate protects continuing monthly expenses and monthly net profit for the restoration period, adds extra expenses, then applies a contingency buffer.
Worked example: starting scenario
| Monthly continuing expenses ($) | 40000 |
|---|---|
| Monthly net profit to protect ($) | 15000 |
| Estimated restoration period in months | 6 |
| Extra expense allowance ($) | 25000 |
| Contingency buffer (%) | 15 |
| Suggested planning coverage | $408,250.00 |
|---|---|
| Base income and expense need | $355,000.00 |
| Extra expense allowance | $25,000.00 |
| Average protected amount per month | $68,041.67 |
Important limitations
Policy definitions, waiting periods, restoration limits, coinsurance, exclusions and actual loss calculations can materially change coverage.