Business Interruption Insurance in Hattiesburg
Coverage That Keeps You Moving — Even When You’re Forced to Pause
When disaster strikes, fixing the damage is just part of the challenge. What about the income you lose while your business is shut down? Business Interruption Insurance helps cover your lost revenue, ongoing expenses, and recovery time — so your business can survive the downtime and come back stronger.
At Howlett Insurance Agency, we help Hattiesburg business owners prepare for the unexpected with practical, responsive protection.
What Does Business Interruption Insurance Cover?
This coverage steps in when a covered event — like fire, storm damage, or vandalism — forces your business to close temporarily. It helps pay for:
Lost Revenue
Replaces income your business would have earned if it were operating normally.
Fixed Operating Expenses
Covers ongoing bills like rent, utilities, loan payments, and payroll.
Temporary Relocation Costs
Helps cover expenses if you need to move to or operate from a temporary location.
Training Costs
Covers employee training for new equipment if replacement is necessary after a loss.
Extra Expenses
Pays for costs associated with minimizing your downtime — like expedited shipping or tech setup.
This policy is often added as part of a Business Owners Policy (BOP) or commercial property package.
Industries We Serve
No two businesses are alike — and neither are their risks. At Howlett Insurance Agency, we provide tailored commercial coverage for a wide range of industries across Hattiesburg and surrounding counties.
We regularly work with:
Contractors & Construction Trades
Coverage for tools, trucks, job sites, and subcontractor liability.
Restaurants & Food Vendors
From food trucks to full-service kitchens, we protect your operations, staff, and equipment.
Retail Businesses
Coverage for storefronts, inventory, business property, and customer liability.
Janitorial & Cleaning Services
Protection for employees, equipment, and service-related liability.
Professional Services
Specialized protection for lawyers, accountants, consultants, and office-based professionals.
Why Choose Howlett Insurance Agency?
Downtime doesn’t have to mean disaster. We’re here to keep your business protected — and prepared.
Local Agents Who Know Local Risks
We’ve seen the storms, the outages, and the unexpected — and we help our clients plan ahead.
Customized Coverage That Fits
Not every business has the same risks or revenue. We tailor your policy based on your operations and income.
Independent & Transparent
We work with multiple carriers and explain everything clearly — so you know what’s covered before you need it.
Dedicated Support if You File a Claim
When it matters most, we’re right here in Hattiesburg — ready to help.
Common Questions About Business Interruption Insurance
What types of events trigger coverage?
Coverage applies when a covered event — like fire, windstorm, or vandalism — causes a temporary closure. It generally doesn’t apply to floods, earthquakes, or pandemics unless specifically added.
How long does coverage last?
Policies usually include a restoration period — often 30 to 365 days — based on how long it reasonably takes to resume operations.
Does it cover partial closures?
In most cases, the business must be fully or significantly impacted to trigger coverage. We’ll walk you through the details based on your policy.
Is this coverage included in my property policy?
It may be included in a Business Owners Policy (BOP), or added separately to a property or commercial package policy. We’ll help you confirm what you have.
How is the lost income calculated?
Insurers typically use your financial records to estimate lost profits. We recommend keeping detailed, up-to-date business income documentation.
Plan for the Pause — So You Can Get Back to Business
Don’t let an unexpected closure threaten your hard work. With the right Business Interruption Insurance, you can protect your income and recover faster. Let Howlett Insurance Agency help you prepare with confidence.