Summary: What will be the insured's most pressing need if a fire or other disaster interrupts the normal operation of the enterprise? Specifically, if normal relations with customers are interrupted for a time, what will be the effect on the insured's operations over the long range? Alternatively, does the insured deal in services of a type that can be readily transferred to a new location so that the prospect of an interruption of significant duration need not even be contemplated? The answers to these questions provide the strongest possible guide to the insured in determining whether business income coverage or extra expense insurance is the primary need.
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