- Lost Profits. These are profits that would have been earned during the policy period. The amount is based on prior months financial statements, and may be subject to a specified limit or actual loss sustained.
- Operating Expenses and Other Fixed Costs. Vendors, utilities and other fixed costs may need to be paid during the reconstruction period. These are usually included in the Business Interruption limit, but some policies may include a sublimit for these costs.
- Temporary Location. If a temporary location would help get your business back up and running more quickly the policy may cover this expense.
- Training Costs. If replacement electronics or machinery require special training, the policy may pick up these costs.
- Extra Expenses. A major loss may require expenses that are not part of normal operations. This limit may be included with the Business Interruption limit, included as a separate line item, or a sublimit within the policy.