Business Interruption & Extra Expense Downtime Calculator
Model post-disaster operational downtime, continuing overhead burn rates, emergency site relocation costs, and recommended policy limits under ISO CP 15 15 underwriting worksheets.
Under ISO Form CP 00 30 (Business Income and Extra Expense), business interruption loss exposure is calculated as:Exposure = (Monthly Net Profit + Continuing Fixed Expenses) × Downtime Months + Extra Expense Relocation Costs
Commercial business income coverage under ISO CP 00 30 reimburses actual loss of business income sustained during the period of restoration. For an enterprise with $350,000 in net profit and $650,000 in continuing payroll, debt service, and taxes, the annual exposure is $1,000,000 ($83,333/mo). A 6-month downtime produces $500,000 in lost income, $210,000 in extra temporary relocation expenses, and $100,000 in extended reopening ramp-up losses, requiring a minimum $750,000 limit under a 75% CP 15 15 coinsurance schedule.
Total Financial Loss: $809,998
Business Interruption vs. Extra Expense Guide
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