Rental value & revenue
Gross rents, operating revenue, continuing expenses, vacancy assumptions, and likely growth translated into a supportable exposure.
← All coveragesBusiness income & rental value
Protect the income behind the property.
A building limit can repair the structure. Business income coverage helps protect the rent, revenue, and continuing expenses while operations recover.
What we review
Coverage is only useful when the details match the risk.
Period of restoration
The time needed to rebuild, obtain permits, replace equipment, re-lease space, and return to normal operations.
Extra expense
Temporary locations, expedited repairs, rented equipment, and other costs that can reduce the interruption.
Coverage extensions
Civil authority, ingress and egress, utility services, dependent property, extended periods, and ordinance-related delays.
Common pressure points
The details that tend to change the outcome.
- Limits based only on net income or current rent instead of the full exposure during recovery
- A stated limit, monthly limitation, coinsurance percentage, or actual-loss-sustained term that works differently than expected
- Waiting periods and restoration assumptions that overlook permitting, code upgrades, or tenant replacement
- Wind, flood, utility, or other causes of loss that are not insured on the same basis as the income exposure
Bring us the risk. We’ll help make it clear.
Share the basics, timing, and any lender or contract requirements. Cedar will follow up with the next useful questions.
Request a coverage review