Also known as: contingent business interruption · contingent business income coverage · CBI insurance
Coverage for income you lose when a supplier or customer you depend on suffers a loss that disrupts your business.
Contingent business income (CBI) coverage responds when your income is interrupted not by damage to your own property, but by a covered loss at another business you depend on, typically a key supplier or a major customer. If a critical supplier's facility is shut down by a covered event and you cannot operate as a result, CBI coverage can replace the income you lose. It extends ordinary business income coverage beyond your own four walls to the dependencies in your supply chain, which matters for hardware, manufacturing, and product startups whose revenue relies on specific vendors.
It is coverage that replaces income you lose when a business you depend on, such as a key supplier or major customer, suffers a covered loss that disrupts your operations. Unlike standard business income coverage, it responds to losses at another company's premises, not just your own.
Companies whose revenue depends heavily on specific suppliers or customers, such as hardware, manufacturing, and product startups. If one critical vendor going down would stop your revenue, CBI coverage is worth evaluating.
Definitions are educational and may be modified by your specific policy language, endorsements, and state rules. For regulatory guidance, refer to the California Department of Insurance or the NAIC.
Last updated: July 2026.