If a fire, severe storm, or other covered disaster shuts down your business, physical property damage is only part of the loss. While property insurance helps rebuild walls and replace damaged equipment, it doesn't cover: ✗ Lost business revenue & net profit ✗ Continuing operating expenses (rent, utilities, leases) ✗ Temporary relocation costs ✗ Extra expenses to resume operations quickly That's why small business owners should consider Business Income Coverage (also known as