Business Interruption Insurance: Introduction to Coverages and Limit Calculations

Business Interruption (BI) insurance is one of the most complex yet critical coverages in commercial property policies—and one that is often misunderstood. In this session, Nick Roper, CPA, CMA, CIP, CRM, breaks down the intricacies of BI coverage from both accounting and insurance perspectives. Participants will explore how to calculate appropriate limits, interpret policy wordings, identify common coverage pitfalls, and apply real-world examples to better protect clients and businesses against income loss.

Through practical examples and case-based discussion, the session highlights how BI coverage supports business continuity, the implications of coinsurance and indemnity periods, and how specialized extensions—such as contingent BI, civil authority, cyber, and extra expense—can make or break recovery.

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