Protecting Your People: The Real Value of Business Income Insurance

When disaster strikes—fire, hurricane, tornado—your building isn’t the only thing at risk. Your people are, too. Imagine this: Your business earns $10M annually with $1M in profit. You buy 12 months of business income coverage, but a major loss shuts you down for 18 months. That’s a $500K shortfall—and it could mean losing your best employees.

Why It Matters:

• ·       Keeping key employees during downtime is critical:
• ·       Replacing an employee costs 30%–400% of their salary
• ·       31% quit within 6 months if they feel unsupported
• ·       71% who feel insecure plan to job hunt within 3 months

The Right Coverage Helps You:

• ·       Pay key employees so they don’t leave
• ·       Maintain morale and loyalty during a rebuild
• ·       Avoid costly rehiring and retraining later

Be sure to calculate the right limits before underwriting so your policy fits your real risks, not averages.

This isn’t just insurance. It’s protecting your people, your culture, and your future.

Trace Andrews

Property & Casualty Consultant

USI Insurance Services

CA License Nos. 4398640 |0G11911

2502 N. Rock Point Dr. Ste. 400

Tampa, FL 33607

352-348-5076

trace.andrews@usi.com| www.usi.com