We cover everything you own and everyone you're responsible for, without locking you into one company's options.
Business Income Insurance for East Texas Businesses
When a fire, storm, or covered loss forces your business to shut its doors temporarily, your bills don't pause with you. Payroll still runs. Rent still comes due. Business income insurance covers the revenue you lose while you're getting back on your feet — so a bad month doesn't turn into a permanent closure.
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Hay barns, equipment sheds, cattle pens, grain storage, and other agricultural structures aren't covered under a standard homeowners policy. A farm and ranch policy covers them specifically — at replacement cost or actual cash value depending on what you carry.
Barns, Outbuildings, and Farm Structures
What Business Income Insurance Actually Covers
Business income insurance — sometimes called business interruption insurance — replaces the income your business would have earned during a covered shutdown period. It's typically triggered by a physical loss covered under your commercial property policy, like fire, wind damage, or a burst pipe.
What it generally covers:
- Lost net income you would have earned had the business stayed open
- Fixed operating expenses like rent, utilities, and lease payments
- Payroll for employees you retain during the closure
- Loan payments and other ongoing financial obligations
- Reasonable extra expenses incurred to get operations running again
It does not cover losses from floods or earthquakes unless those are separately covered, and it does not replace damaged equipment or inventory — that's what your commercial property policy is for.
Why East Texas Business Owners Need This Coverage
Most small business owners know they need property coverage. Fewer think through what happens to their cash flow while repairs are underway. For a restaurant that closes for six weeks after a kitchen fire, or a contractor whose office is damaged by a storm, the income gap can be just as damaging as the physical loss itself.
East Texas businesses face real weather exposure — hail, wind, and severe storms are part of operating here. If your business relies on a physical location to generate revenue, business income insurance isn't a luxury line item. It's what keeps the lights on at home while the lights are off at work.
How We Find the Right Policy for Your Business
We work with multiple carriers, which means we're not locked into one company's product or one set of coverage terms. When you call us, we look at your actual business — your revenue, your fixed costs, the nature of your operation — and match you with a policy that reflects what you'd genuinely need to survive a shutdown.
We don't charge agency fees. The cost of the coverage is what it is — no markup on our end. And when you call our office, you'll talk to a real person, not a phone tree. We've been doing this since 1972, and that part hasn't changed.
Industries We Commonly Work With
We write business income coverage for a wide range of East Texas businesses, including:
- Restaurants and food service operations
- Contractors and trades businesses
- Retail storefronts and service shops
- Trucking and transportation operations
- Property investors and commercial landlords
- General small businesses with a fixed operating location
If your business depends on a physical space to operate, this coverage deserves a conversation. We can usually give you a clear picture of your options in a single call.
Common Questions About Business Income Insurance
How long does business income coverage last after a loss?
Most policies include a coverage period — often 12 months — that begins on the date of the loss. Some policies can be extended. We'll walk you through the period of restoration terms when we quote your coverage so there are no surprises.Does business income insurance cover losses from a power outage?
Standard business income policies generally require a physical loss to your property to trigger coverage. Losses caused solely by a utility outage off your premises typically aren't covered unless you have a specific utility services or contingent business income endorsement. It's worth asking about when we review your policy.Is business income insurance a separate policy or part of my existing commercial coverage?
It's usually added to your commercial property policy or included in a business owner's policy (BOP). It's rarely a standalone policy. If you already have commercial property coverage through us, we can review whether business income coverage is already in place or needs to be added.
Talk to a Real Person About Your Coverage
We're based in Canton and have been serving Van Zandt County and the broader East Texas area for over 50 years. If you're a small business owner trying to figure out whether you have the right coverage — or whether you have any coverage at all — give us a call. We'll give you a straight answer.
Reach us at (903) 567-4108, email quote@wallace-murray.com, or stop by our office at 1351 S Trade Days Blvd #105 in Canton. You can also request a quote online and we'll follow up by phone.