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Interruption Insurance
What would happen if your business had to close for a time because of a nearby wildfire or power failure? Having Business Interruption insurance can help recover financial losses during the time your business was closed.
Typically this insurance is part of a package, or added to the property insurance. It will pay the business both for lost income and reimburse expenses that need to be paid even during the time the business is temporarily closed.
From www.allbusiness.com.