Business-Interruption Insurance--Covers continuing expenses, such as taxes and payroll, as well as loss of net profit.
Extra Expense Coverage--Pays for temporary relocation of workers and machinery, allowing a business to continue operations while repairs are taking place.
Extended Period of Indemnity--Adds on to the period covered by business-interruption insurance to allow for extra time to get revenues back up to pre-disaster levels.whereby if one suffers a loss, the other will permit temporary use of its facilities.
Disaster Recovery--Services offered by specialized firms, as well as major computer manufacturers, to help businesses avoid loss of crucial computer data.
Julie M. Cook is a Rockford, Illinois, journalist who specializes in small-business topics such as sales and marketing and human resources.
Deloitte & Touche LLP, 2200 Ross Ave., Dallas, TX 75201, (214) 777-7000.
Flights of Fantasy Books, 523 Santa Monica Blvd., Santa Monica, CA 90401, (310) 917-9112.
H. Abbe International, 2 World Trade Center, #2844, New York, NY 10048, (212) 839-9211.
Insurance Information Institute, 110 Williams St., New York, NY 10038, (212) 669-9214.
Riney Bedding Company, 431 E. Market St., Louisville, KY 40202, (502) 587-8469.
Shipman & Goodwin, 1 American Row, Hartford, CT 06103-2819, (860) 251-5119.