--- title: "Business interruption insurance | CARMA" description: "Business income and extra expense coverage depends on policy wording and a covered cause of loss. Values should reflect how the cannabis operation earns..." canonical: "https://www.carma365.com/cannabis-insurance/business-interruption/" --- Insurance by coverage # Business interruption insurance for cannabis businesses Business income and extra expense coverage depends on policy wording and a covered cause of loss. Values should reflect how the cannabis operation earns revenue, which expenses continue, and what it would take to resume work after an interruption. Prepared by [CARMA Insurance](/about/) Reading time 1 min read Content updated August 12, 2026 Carma Insurance LLC [Business entity NPN 21134854](/licensing-disclosures/) Related CARMA expertise [Zimraan Shikari, Director, Underwriting](/experts/zimraan-shikari/) [How we publish guidance](/editorial-standards/) [Discuss an interruption exposure](https://broker-forms-sandbox.pages.dev/application)[Start QuickQuote](https://broker-forms-sandbox.pages.dev/quoter-v2/)[Speak with the CARMA team](/contact/) Coverage and availability depend on the account, state, insurer and underwriting review. General information and nonbinding indications do not bind insurance; the applicable binder, policy, endorsements and law govern coverage. Important insurance information This guide is general information and does not determine coverage or legal requirements for your business. Policy terms, exclusions, conditions and available options vary. Contact the appropriate licensed insurance representative about your account, request confirmation of any coverage placed, and review the applicable insurance documents. An application, inquiry or nonbinding indication does not by itself bind or change insurance. Account brief ## What to clarify before discussing this account **Clarify** How does each location generate revenue, and which expenses would continue during a shutdown? **Confirm** What restoration period reflects permits, equipment, construction, inventory, and operating restart? **Prepare** Business income worksheet or financial records supporting revenue and continuing expenses [Discuss an interruption exposure](https://broker-forms-sandbox.pages.dev/application) On this page 5 sections On this page [Build values around the recovery plan](#build-values-around-the-recovery-plan)[Find dependencies outside the damaged location](#find-dependencies-outside-the-damaged-location)[State questions](#state-questions)[Underwriting focus](#underwriting-focus)[What to send CARMA](#what-to-send) ## Build values around the recovery plan Identify revenue, cost structure, continuing expenses, payroll, expected restoration time, seasonal changes, and the extra costs the business could use to shorten an interruption. ## Find dependencies outside the damaged location Describe utilities, equipment, landlords, key suppliers, testing laboratories, manufacturers, warehouses, customers, and other locations whose interruption could affect the insured. Explain available alternatives and contingency plans. ## Business interruption questions - How does each location generate revenue, and which expenses would continue during a shutdown? - What restoration period reflects permits, equipment, construction, inventory, and operating restart? - Which utility, supplier, customer, landlord, or dependent location could stop the business? ## What CARMA wants the submission to explain These details help the team understand the account and identify the next useful question. They do not establish eligibility or available terms. - Tie revenue and continuing expenses to the correct entity and location using supportable financial records. - Explain the equipment, utilities, suppliers, licenses, customers, and premises required to resume operations. - Document realistic restoration assumptions for buildings, equipment, inventory, approvals, and operating restart. ## Records for a business income review - Business income worksheet or financial records supporting revenue and continuing expenses - Recovery assumptions for buildings, equipment, inventory, approvals, and operating restart - Utility, supplier, customer, and dependent-location information plus contingency plans ## Can CARMA consider this account? CARMA confirms program fit, licensing, state availability, coverage options, and market interest for each account. This guide does not promise eligibility, terms, pricing, or placement. Important insurance and legal information CARMA's website provides general information only. It is not insurance, legal, tax, regulatory, underwriting, safety, risk-management, or claims advice. Nothing on this site is a quote, binder, policy, coverage determination, legal opinion, or promise of eligibility, availability, pricing, terms, limits, or placement. Only an issued policy and its endorsements can provide coverage, and their actual terms, conditions, limitations, and exclusions control. Sending information, following a link, or speaking with CARMA does not bind coverage, change a policy, or create authority to act for an insurer unless an authorized party confirms that authority in writing. Do not rely on this website to report a claim, request a policy change, satisfy a notice requirement, or meet a deadline. Use the instructions in the applicable policy or written communication. Laws, licensing, appetite, carrier participation, and external sources can change, so confirm time-sensitive matters with CARMA, the controlling source, and qualified advisers. [Read the complete website disclaimer](/legal-disclaimer/). [Back to top](#main-content) Continue researching ## Put this subject in the context of the full account. Account-specific review ## Bring CARMA the account. Retail agents, wholesale brokers, and business owners can start with the details they have. [Discuss an interruption exposure](https://broker-forms-sandbox.pages.dev/application)[Start a business insurance conversation](/contact/)