Covers actual loss of “business income” (defined as net income plus normal continuing expenses) due to a full or partial suspension of operations caused by physical damage.
Covers extra expenses to avoid or minimize a suspension of operations. Also, covers expenses to repair and replace property to the extent those expenses reduce the covered income loss.
Can be included in or excluded from BI, or insured exclusively, as indicated in the declarations.
Included in extra expense coverage.
Covers actual income loss plus necessary expenses to reduce the loss.
Covers reasonable and necessary EE to continue operations during restoration period.
Not explicitly addressed; potentially covered if not excluded.
Covers reasonable extra cost of temporary repairs and to expedite permanent repairs.
Commonly covers loss of income and extra expenses resulting from a disruption or interruption of a computer system.
Commonly covers all reasonable extra expense, without explicit reference to impact on loss.
Typically not addressed.
Typically included in extra expense coverage.