Business Interruption Duration Calculator

Business interruption claims pay only through the period of restoration. This calculator sizes the duration.

Mitigation months

Rebuild months

Ramp-back months

Extended indemnity

Total BI duration

1 yr 4 mo

Covered months

1 yr 3 mo

Uncovered months

1 mo

How the math works

Duration = mitigation + rebuild + ramp. Covered = mitigation + rebuild + min(ramp, extended indemnity).

Buy at least 90-180 days of extended period of indemnity. Most owners size BI limits but forget that revenue ramp after CO is rarely instant — the extension rider is the cheapest part of a BI program and the most common gap.

How to Use

Enter mitigation months (board-up, dry-out, debris).
Enter rebuild months.
Enter ramp-back months to stable revenue.
Enter extended period of indemnity months available.
Read total BI duration and expiration.

Frequently Asked Questions

What is period of restoration?

The time from loss event until property is repaired, replaced, or rebuilt with reasonable speed. BI policies pay income loss during this window. Delay by owner (slow claim, slow GC selection) does not extend it — carriers enforce reasonable pace.

Extended period of indemnity?

Optional rider extending coverage 30-365 days past period of restoration to allow revenue to ramp back to pre-loss levels. Critical for hospitality, retail, and restaurants where traffic needs months to rebuild.

Documenting duration?

Timestamp every milestone (debris, mitigation, design, permit, rough, CO, re-open). Carrier daily logs and contractor schedules anchor duration claims. Missing documentation cuts claim at the first questionable gap.