Business Continuity & Revenue Protection
Protect your Oregon business revenue from supplier failures, cloud outages, cyber shutdowns, and workforce disruptions.
Beyond Business Interruption: Revenue Protection for the Modern Oregon Business
Traditional business interruption insurance was designed for a simpler era — when the primary threat was a fire or flood at your own location. Today's Oregon businesses face a far more complex risk landscape: a key supplier goes under, your cloud platform goes offline, a ransomware attack shuts down your systems, or a workforce shortage forces you to halt operations.
Insure Pacific helps Oregon businesses build comprehensive business continuity and revenue protection programs that address these modern threats. We work with 50+ carriers to find the right combination of coverages — from contingent business interruption and cyber business interruption to extra expense and supply chain coverage.
Whether you operate a manufacturing facility in Prineville, a technology company in Bend, or a distribution business serving the Pacific Northwest, we can help you protect your revenue against the disruptions that matter most to your business.
Why Choose Insure Pacific?
- Independent agency — we work for you, not a carrier
- 50+ top-rated insurance carriers
- Licensed Oregon agents since 1935
- Specialists in commercial revenue protection
- Competitive rates through market comparison
- Personalized service and claims advocacy
Business Continuity Coverage Options
A comprehensive business continuity program combines multiple coverage lines to protect your revenue from every angle.
Business Interruption Insurance
Replaces lost net income and covers continuing expenses (rent, payroll, utilities) when a covered peril — fire, storm, equipment breakdown — forces your business to shut down or operate at reduced capacity.
Contingent Business Interruption
Covers lost income and extra expenses when a disruption at a key supplier, vendor, or customer location forces your business to slow down — even when your own property suffers no direct damage.
Cyber Business Interruption
Covers revenue losses from ransomware attacks, cloud service outages, SaaS platform failures, and other technology disruptions. Part of a comprehensive cyber liability policy.
Utility Service Interruption
Covers income losses when a utility failure — power outage, water service disruption, or communications failure — forces your business to close or operate at reduced capacity.
Extra Expense Coverage
Pays for costs above and beyond normal operating expenses to keep your business running or speed up recovery — temporary equipment rental, alternate facility costs, expedited shipping.
Key Person / Workforce Disruption
Protects against revenue losses when a key employee, executive, or critical workforce shortage disrupts your ability to operate. Often combined with life and disability insurance programs.
Business Continuity: Key Facts
Standard BI Policies May Not Cover Modern Disruptions
Traditional business interruption insurance requires direct physical damage to your property to trigger coverage. Cloud outages, supplier failures, cyber shutdowns, and utility disruptions often do not involve physical damage — meaning your standard policy may not respond. Contingent BI, cyber BI, and utility service interruption endorsements are essential additions for modern Oregon businesses.
Five Disruption Scenarios Every Oregon Business Should Plan For
Modern business continuity planning goes far beyond fire and flood. Here are the five most common revenue-threatening disruptions facing Oregon businesses today.
Key Supplier Failure
A critical supplier goes bankrupt, suffers a disaster, or stops delivering. Your production halts. Contingent business interruption (CBI) coverage pays for lost income and extra costs to find alternative suppliers and keep your business running.
Cloud & SaaS Platform Outage
Your business relies on cloud platforms — accounting software, CRM, e-commerce, communications. When these go down, so does your revenue. Cyber business interruption coverage, part of a cyber liability policy, can cover these losses.
Learn MoreRansomware & Cyber Shutdown
A ransomware attack encrypts your systems and shuts down operations for days or weeks. Cyber BI coverage pays for lost income during the recovery period, plus the cost of restoring systems and data.
Learn MoreUtility & Infrastructure Failure
A major power outage, water main break, or communications failure forces your business to close. Utility service interruption coverage pays for lost income when your business cannot operate due to off-premises utility failures.
Workforce Disruption
A pandemic, labor shortage, or loss of key personnel cripples your operations. Key person insurance, disability coverage, and workforce disruption endorsements help protect revenue when your people cannot work.
Learn MoreIs Your Business Revenue Protected?
Most Oregon businesses are significantly underinsured for modern revenue disruptions. Get a free business continuity review from Insure Pacific — we'll identify gaps and build a comprehensive protection program.
Related Commercial Coverage
Business continuity coverage works best as part of a comprehensive commercial insurance program. Insure Pacific can help you build a complete protection strategy.
Cyber Liability Insurance
Data breach, ransomware, and cyber business interruption coverage for Oregon businesses.
Learn MoreCommercial Insurance
Comprehensive commercial coverage including GL, property, and workers' comp for Oregon businesses.
Learn MoreCommercial Property Insurance
Protects your buildings, equipment, and inventory from fire, theft, storm, and other covered perils.
Learn MoreCommercial Umbrella Insurance
Extra liability protection above your primary policy limits for high-exposure businesses.
Learn MoreBusiness Continuity Insurance — Frequently Asked Questions
What is business continuity insurance?
Business continuity insurance is a broad term for coverages that protect your revenue and operations when unexpected events force a shutdown or disruption. It goes beyond traditional business interruption insurance to cover modern threats like cloud service outages, key supplier failures, utility disruptions, cyber shutdowns, and workforce disruptions.
What is contingent business interruption insurance?
Contingent business interruption (CBI) insurance covers lost income and extra expenses when a disruption at a third-party business — such as a key supplier, vendor, or utility provider — forces your business to slow down or shut down. Unlike standard BI, CBI protects you even when your own property suffers no direct damage.
Does business interruption insurance cover cloud outages?
Standard business interruption insurance typically does not cover cloud or SaaS outages because there is no physical property damage. Cyber business interruption coverage, which is part of a cyber liability policy, can cover income losses from cloud service failures, ransomware attacks, and technology outages. Insure Pacific can help you identify the right coverage combination.
How long does business interruption insurance pay?
Business interruption insurance pays for the 'period of restoration' — the time it takes to repair or replace damaged property and resume normal operations. Most policies have a waiting period (typically 72 hours) before coverage begins. Extended business income coverage can continue payments for up to 12 months after operations resume.
Get in Touch
Ready to protect what matters most? Contact us today for a no-obligation insurance review. Our experienced agents are here to help you find the right coverage for your needs.
