Business Income Insurance

With a policy from HVCU Insurance Services, powered by InsureOne®, you can insulate your business and cover losses sustained from temporary closures due to operational interruptions or property damage.

Minimize Business Losses and Damages

Business Income Insurance covers you in the event that your business is forced to close temporarily due to direct physical loss or damage to the property. This coverage complements your property policy and provides a cushion for events beyond your control such as natural events, vandalism, or any damage which interrupts your business.

Keep Your Business Running Smoothly with Business Income Insurance

Why Does Your Business Need Business Interruption Insurance?

Even when you have enough property coverage, natural disasters and severe weather have the ability to threaten your company. A Business Income Insurance policy can prevent your business from having to shut down due to an inability to cover payroll expenses, taxes, and other operating costs. Business Income Insurance covers the following:

  • Replaces lost net income during the period of restoration that you would have earned if no physical loss or damage had occurred
  • Pays for sustained operating expenses, including payroll
  • Pays for relocation expenses and marketing fees if you set up at a temporary site

Comprehensive Insurance for Your Business at Competitive Rates

HVCU Insurance Services, powered by InsureOne®, can help build a tailor-made insurance package for you, your employees, and your business. A licensed agent can walk you through the coverage options to ensure everything continues to remain business as usual.

Let's Work on a Business Interruption Policy That Meets the Needs of Your Company

What Isn’t Covered in Business Income Insurance?

  • Flood damage
  • Damage from earthquakes
  • Glass breakage
  • Income that isn’t documented
  • Partial closures
  • Closure from inoperable power lines

Members Covered3,965
HVCU Members Protected

Members Who Bundle and Save1,922
Members Who Bundle & Save

Home, Auto and Business Coverage 6,556
Homes, Vehicles, and Businesses Covered

Get Access to Some of the Nation’s Top Insurance Carriers

HVCU Insurance Services works in partnership with InsureOne® to make sure you’re getting the best coverage at the right price. Speak to a licensed agent.

Progressive Drive Insurance

Safeco Insurance

Utica National Insurance Group Logo

NYCM Insurance


The Hartford

We Are Here To Help

Contact Us

Connect With Our Staff

Contact Us


Ask a Question 

Email Us

Locate a Branch/ATM

Visit Us

Important Legal Disclosures & Information

Insurance products offered through InsureOne Insurance Services America, LLC and its affiliated companies identified on Insurance products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities; 3) involve investment risk, including possible loss of value. Insurance products not available in all states. Actual policy premium may vary based on driving records, garaging address, vehicle type, insurance coverage selected, and other underwriting factors. Other rates, service fees, restrictions, and charges may apply.

All company names are the registered trademarks of their original owners.