In the context of commercial insurance, what does "interruption insurance" specifically protect against?

Interruption insurance, often referred to as business interruption insurance, specifically protects businesses from the loss of income resulting from unexpected events that lead to a temporary closure or slowdown of operations. This type of insurance is designed to cover the revenue that a business would have generated if it had not been forced to close due to an insured peril, such as a natural disaster, fire, or other significant disruptions.

The coverage typically extends to ongoing expenses that must still be paid during the interruption period, such as rent, utilities, and payroll, thereby allowing the business to remain afloat while it recovers from the incident. It provides crucial financial support that helps businesses avoid devastating losses that could impede their ability to resume operations.

In contrast, the other options do not accurately reflect the purpose of interruption insurance. While employee injuries, fire damage, and renovation cost overruns are all valid concerns in a commercial insurance context, they are typically covered by different types of insurance policies, such as workers' compensation, property insurance, and contractor's insurance, respectively. Each of these policies addresses specific risks but does not cater to the income loss related to business interruptions, which is the primary focus of interruption insurance.