--- title: Business Income Insurance | Get a Quote | PJ&C Insurance description: Get a quote on business income insurance with PJ&C Insurance. Explore our tailored insurance options for businesses in AL, GA, MS, NC, SC, LA, TN, KY, FL, TX, NV, CA, CO, KS, OH, and DC today. --- For more than 50 years, Pepper, Johnstone & Company has been trusted with insuring families and businesses. We partner with 60+ insurance companies so that you can consider options that provide the most appropriate protection. # Business Income Insurance from Pepper, Johnstone & Company If your business property is destroyed, your sales and production schedules are usually disrupted. And while your business is shut down, you lose income. The good news is, when you’re prepared, it’s a lot easier to recover. The aim of business income (BI) insurance is to provide a business, whose operations have been interrupted by a loss, with income equal to what the firm would have earned if the loss had not occurred. Coverage begins when the direct physical damage occurs and ends on the earlier of the date that the damaged property should be repaired, rebuilt, or replaced, or at such time as stipulated in the policy. Business income insurance pays for the anticipated net income and ongoing expenses during the period of restoration. Typically, the standard BI policy limits the period of restoration to 30 days; however, this period can be extended to 12 months by endorsement. ### Get a free quote for business income insurance We'll provide you with a business income insurance quote from an insurer that meets your needs and your budget. [GET A QUOTE](/insurance/business/business-income-insurance/quote) [GET SERVICE](/claims-services) * * * ### Extra Expense Extra expense (EE) coverage, which expands the basic business interruption coverage can provide benefits for many businesses, especially those that can ill afford to be closed for any amount of time. Banks, newspapers and similar businesses must try to operate regardless of cost, or they risk losing their markets completely. Coverage includes expenses incurred to avoid or minimize the suspension of business and to continue operations, or minimize suspension of business if operations cannot continue. An example of EE coverage is the cost incurred by a business to temporarily lease office space while the original location is being rebuilt. ### Why You Need Protection Most businesses closes their doors after at catastrophic loss not because there isn’t adequate property coverage in place, but due to the lost revenue stream for the 6-12 months typically required to rebuild the physical structure. This is where BI&EE coverage can play a vital role in protecting your business and livelihood. ### Get the protection you need tomorrow, today. To learn more about our Business Income & Extra Expense insurance products, [speak with one of our experienced professionals](/contact) today. * * * ## Clients Love Us We work hard for this reputation. [![Lauren Marsh](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/testimonials/lauren-marsh.8f1ef3286aaf69249e3de25282587a81dc15842de09824b6b0cbfb88b2501a20.webp)](/about/client-testimonials) What’s made us stick with them is the accountability. **— Lauren Marsh —** Ridgeline Construction [![Lynn Persell](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/testimonials/lynn-persell.9a4cd56880c3014002601585585987659e761ba9b4ce55d934e41cc15c2c97f5.webp)](/about/client-testimonials) They’ve taken care of me during the darkest days after the tornado. **— Lynn Persell —** Persell Lumber & Mill Shop [![Mike Walters](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/testimonials/mike-walters.b7e85f459e5433841cfc9e45b3561d5fa0b394111be2eb8400535769c689c271.webp)](/about/client-testimonials) They understand our business & risk profile through industry knowledge. **— Mike Walters —** MVW Nutritionals ![Commercial client](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-1.9cb73af9c1e3961f57515ecda4c9f4e639df0eff922a19dccb73c30bfe4385f4.webp) PJ&C has become a crucial member of our business support team over the past several years. **— Commercial client —** Atlanta, GA ![J.W. E.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-1.26763a560ec8c33e538d9a14d02e9af37b878ed2735807d5bbca818b43fecadb.webp) The entire team is not only knowledgeable but down to earth and willing to share their time, tips and ideas. **— J.W. E. —** Nashville, TN ![Matthew H.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-2.f0d626a1e52b3f01c2be3c90db4d5d367c60b36ac6f55c3a5fecdb9bccc5bd8b.webp) Top notch insurance agency! The team at PJ&C provide excellent customer service while meeting all our needs. **— Matthew H. —** Dallas, TX ![Samantha B.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-2.8e76c5af7c1582529e66148a1be8aa0a919754e1706a80af3031e295450f4db1.webp) All the employees at PJ&C are very professional and knowledgeable. Exceptional customer service. **— Samantha B. —** Athens, AL [MORE REVIEWS](/about/client-testimonials) ## Insurance Articles from the Pepper, Johnstone & Company blog [**D&O Insurance for Startups: The Stage-by-Stage Risk Guide** — **TL;DR:** Once outside capital enters your company, every board-level decision carries personal liability for the people making it. D&O insurance covers directors, officers, and executives against claims of mismanagement, investor misrepresentation, and regulatory violations. Most institutional…](/blog/d-o-insurance-for-startups-the-stage-by-stage-risk-guide) [**What Insurance Do Startups Need? A Pre-Seed & Seed Checklist** — Most founders treat startup business insurance as a problem for later stages. It isn’t. The moment you sign your first client contract, bring on a W-2 employee or close your first round with outside investors, you’ve created real liability exposure. — The right coverage determines whether your…](/blog/what-insurance-do-startups-need-pre-seed-seed-checklist) [**SaaS Company Insurance: What a BOP Won't Cover** — A SaaS company can sign its first enterprise contract, close a seed round and onboard a dozen employees before anyone asks whether the insurance program actually matches the exposure. — A Business Owner’s Policy covers a slip-and-fall here, a damaged server there. It does _not_ cover a client lawsuit…](/blog/saas-company-insurance-what-a-bop-wont-cover) [View all articles](/blog) ## Related Types of Insurance [— Directors & Officers Insurance — for business owners](/insurance/business/directors-officers-insurance) [— Employment Practices Liability Insurance — for business owners](/insurance/business/employment-practices-liability-insurance) [— Commercial Liability Insurance — for business owners](/insurance/business/commercial-liability-insurance) [— Commercial Property Insurance — for business owners](/insurance/business/commercial-property-insurance) ```json {"@context":"https://schema.org","@type":"WebSite","url":"https://www.pjcoinsurance.com/","name":"Pepper, Johnstone & Company"} ``` ```json {"@context":"https://schema.org","@type":"Product","name":"Business Income Insurance","description":"Comprehensive business income insurance coverage tailored to your needs.","url":"https://www.pjcoinsurance.com/insurance/business/business-income-insurance","image":["https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/logo.80d7f691a213f4c005424382960e8608cbeea8e81c4c6b54b3ad47b9b05f80b8.svg"],"brand":{"@type":"Brand","name":"Pepper, Johnstone & Company"},"offers":{"@type":"Offer","url":"https://www.pjcoinsurance.com/insurance/business/business-income-insurance","priceCurrency":"USD"}} ``` ```json {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"/insurance/business","name":"Business Insurance Products"}},{"@type":"ListItem","position":2,"item":{"@id":"/insurance/business/business-income-insurance","name":"Business Income Insurance"}}]} ```