Business Interruption · 2025
Six weeks dark, payroll never missed
Meridian Foods
$1.4M
Claim paid
6 wks
Downtime covered
$380/yr
Premium added
Overview
A supplier fire shut down a food producer's only line — and the business-income coverage we'd insisted on kept the doors open.
The risk
A fire at Meridian's sole ingredient supplier halted production for six weeks. Their previous agent had written the property policy with no contingent business-interruption cover — a loss like this would have been uninsured.
How we structured it
When we took over the account we flagged the single-supplier exposure and added contingent business-interruption coverage with a 60-day extended-period endorsement. It cost a few hundred dollars more a year.
The outcome
The claim paid lost profits and continuing payroll through the full shutdown. Meridian rehired nobody and lost no staff — the endorsement we added paid out ninety times its annual cost.
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