--- title: Why Extra Expense Insurance is Worth the Extra Expense for your NH Business description: Learn what extra expense insurance is, how NH small businesses benefit from such coverage and the costs associated with extra expense insurance. --- [![HPM Insurance](https://hpminsurance.com/hubfs/HPMinsurance-Aug2017/Images/HPM_Logo_Large.jpg)](https://www.hpminsurance.com/) [![Client_Portal_Small_Web_Header_600x120_transparent](https://hpminsurance.com/hs-fs/hubfs/Client_Portal_Small_Web_Header_600x120_transparent.png?width=347&height=70&name=Client_Portal_Small_Web_Header_600x120_transparent.png)](https://insurlink.vertafore.com/end-insured/2005196-1) ** [603-673-1201](tel:6036731201) - [Personal Insurance](https://hpminsurance.com/personal-insurance-quotes-new-hampshire) - [Auto Insurance](https://hpminsurance.com/car-insurance-new-hampshire) - [Corvette Insurance](https://hpminsurance.com/corvette-insurance-new-hampshire) - [Homeowners Insurance](https://hpminsurance.com/homeowners-insurance-new-hampshire) - 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[Bristol, NH](https://hpminsurance.com/insurance-bristol-nh) - [Goffstown, NH](https://hpminsurance.com/insurance-goffstown-nh) - [Laconia, NH](https://hpminsurance.com/insurance-laconia-nh) - [Littleton, NH](https://hpminsurance.com/insurance-in-littleton-nh) - [Client Portal](https://hpminsurance.com/client-portal) ## [Why Extra Expense Insurance is Worth the Extra Expense for your NH Business](https://hpminsurance.com/blog/entryid/3888/why-extra-expense-insurance-is-worth-the-extra-expense-for-your-nh-small-business) Written by [April Weismann](https://hpminsurance.com/blog/author/april-weismann) on 09/27/2013 12:00 AM in [Business Insurance](https://hpminsurance.com/blog/topic/business-insurance). ![](https://www.hpminsurance.com/Portals/fulkerson/I-Stock%20photos/Money%20man.jpg?width=238&height=178&name=Money%20man.jpg) No one can argue that insurance is not cut and dry.  If you want to insure your car in New Hampshire, you would buy a NH car insurance policy.  If you want to insure your life, you buy life insurance.  So if you want to insure your small business' extra expense, you get.... extra expense insurance.  But what does this really mean to a NH small business owner?  ## **Why Every Small Business Needs Extra Expense Insurance:** Extra expense coverage is designed to meet the needs of a business that can not afford to close for an extended period of time, so pretty much every small business. This can include: - Relocation expenses to a temporary location for continued operations - Rent, utilities and communication at a temporary location - Necessary alterations to a temporary location - Office equipment like computers, phones and copiers - Special marketing expenses to inform your clients and public that you are still open for business ## **Examples of an Extra Expense Insurance Claim:** The perfect example of a business needing extra expense coverage is a dry cleaner.  A dry cleaner that suffers a covered property loss can not afford to lose customers to a competitor even in short-term.  Extra expense coverage could cover the opening of a temporary location to reduce the chance that customers get used to taking their dry cleaning elsewhere. Some businesses, like small manufacturers, can not easily set-up temporary operations elsewhere.  Extra-expense insurance could pay for the additional cost to subcontract manufacturing by others while your property is being restored after a covered loss. ## **What is the Extra Expense of Extra Expense Insurance?** No one likes to spend more money than necessary, but as you can see from the above examples, you may not have the money to re-open your small business without this critical coverage.  The cost of this coverage can vary as it may already be included in your NH business owners policy (BOP) or you may need to add it on separately.  Speak with an HPM Insurance team member or your insurance professional for the best way to cover your small business and its extra expenses.  Otherwise, the last extra expense your business may incur could be an "Out of Business" sign. ### Possibly related posts: - [How Do I Insure An Investment Property?](https://hpminsurance.com/blog/how-do-i-insure-an-investment-property) - [The Basics of NH Directors and Officers Insurance](https://hpminsurance.com/blog/the-basics-of-nh-directors-and-officers-insurance) - [Insurance Risks for Growing NH Businesses: Are You Covered?](https://hpminsurance.com/blog/insurance-risks-for-growing-nh-businesses-are-you-covered) - [What's the Difference Between General Liability & Professional Liability Insurance?](https://hpminsurance.com/blog/whats-the-difference-between-general-liability-professional-liability-insurance) ## Request Free Insurance Quotes! ### [Rss Feed](https://hpminsurance.com/blog/rss.xml) - [Personal Insurance (61)](https://hpminsurance.com/blog/topic/personal-insurance) - [Homeowners Insurance (44)](https://hpminsurance.com/blog/topic/homeowners-insurance) - [Business Insurance (35)](https://hpminsurance.com/blog/topic/business-insurance) - [Car Insurance (26)](https://hpminsurance.com/blog/topic/car-insurance) - [Agency News (24)](https://hpminsurance.com/blog/topic/agency-news) - [Commercial Insurance (21)](https://hpminsurance.com/blog/topic/commercial-insurance) - [Safety Tips (14)](https://hpminsurance.com/blog/topic/safety-tips) - [Health Insurance (9)](https://hpminsurance.com/blog/topic/health-insurance) - [Claim Information (8)](https://hpminsurance.com/blog/topic/claim-information) - [Auto Insurance (7)](https://hpminsurance.com/blog/topic/auto-insurance) - [Insurance Tips (6)](https://hpminsurance.com/blog/topic/insurance-tips) - [Boat Insurance (5)](https://hpminsurance.com/blog/topic/boat-insurance) - [Commercial Auto Insurance (5)](https://hpminsurance.com/blog/topic/commercial-auto-insurance) - [Workers Compensation Insurance (5)](https://hpminsurance.com/blog/topic/workers-compensation-insurance) - [Jewelry Insurance (4)](https://hpminsurance.com/blog/topic/jewelry-insurance) - [Landlord Insurance (4)](https://hpminsurance.com/blog/topic/landlord-insurance) - [Small Business Insurance (4)](https://hpminsurance.com/blog/topic/small-business-insurance) - [save money (4)](https://hpminsurance.com/blog/topic/save-money) - [Cyber Insurance (3)](https://hpminsurance.com/blog/topic/cyber-insurance) - [Flood Insurance (3)](https://hpminsurance.com/blog/topic/flood-insurance) - [NH Homeowners Insurance (3)](https://hpminsurance.com/blog/topic/nh-homeowners-insurance) - [renters Insurance (3)](https://hpminsurance.com/blog/topic/renters-insurance) - [Life Insurance (2)](https://hpminsurance.com/blog/topic/life-insurance) - [NH Auto Insurance (2)](https://hpminsurance.com/blog/topic/nh-auto-insurance) - [Property Insurance (2)](https://hpminsurance.com/blog/topic/property-insurance) - [Agency Happenings (1)](https://hpminsurance.com/blog/topic/agency-happenings) - [Business Insurance New Hampshire (1)](https://hpminsurance.com/blog/topic/business-insurance-new-hampshire) - [Condo Insurance (1)](https://hpminsurance.com/blog/topic/condo-insurance) - [Employee Benefits (1)](https://hpminsurance.com/blog/topic/employee-benefits) - [High Value Home Insurance (1)](https://hpminsurance.com/blog/topic/high-value-home-insurance) - [High-Value Homeowners Insurance (1)](https://hpminsurance.com/blog/topic/high-value-homeowners-insurance) - [Home Insurance (1)](https://hpminsurance.com/blog/topic/home-insurance) - [Motorcycle Insurance (1)](https://hpminsurance.com/blog/topic/motorcycle-insurance) - [New Hampshire Insurance (1)](https://hpminsurance.com/blog/topic/new-hampshire-insurance) - [RV Insurance (1)](https://hpminsurance.com/blog/topic/rv-insurance) - [Travel Insurance (1)](https://hpminsurance.com/blog/topic/travel-insurance) - [commercial property insurance (1)](https://hpminsurance.com/blog/topic/commercial-property-insurance) - [homeoweners insurance (1)](https://hpminsurance.com/blog/topic/homeoweners-insurance) ## Subscribe to Our Blog - ### Don't Wait. 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Visit http://www.hpminsurance.com to get all the information you need. 101 Ponemah Road Amherst, NH 03031 **Hours:** 8:00am - 5:00pm, M - F Phone: 603-673-1201 [![Paid Family and Medical Leave Insurance New Hampshire](https://res.cloudinary.com/expertise-com/image/upload/f_auto,fl_lossy,q_auto/w_auto/remote_media/awards/nh_manchester_car-insurance_2021_transparent.svg)](https://www.expertise.com/NH/manchester/car-insurance) © 2026 HPM Insurance | [Privacy Statement](https://hpminsurance-3427324-hs-sites-com.sandbox.hs-sites.com/about-us/privacy-statement) | This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication. Website Built & Powered by [Jump Suit Group](https://www.jumpsuitgroup.com/) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "April Weismann", "url" : "https://hpminsurance.com/blog/author/april-weismann" }, "dateModified" : "2019-09-23T17:02:03.546Z", "datePublished" : "2013-09-27T04:00:00.000Z", "headline" : "Why Extra Expense Insurance is Worth the Extra Expense for your NH Business", "mainEntityOfPage" : { "@id" : "https://hpminsurance.com/blog/entryid/3888/why-extra-expense-insurance-is-worth-the-extra-expense-for-your-nh-small-business", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://hpminsurance.com/hubfs/HPMinsurance/Images/HPM_Logo_Large.jpg" }, "name" : "HPM Insurance" } } ```