Business income protection is of utmost importance if any business is to survive following a catastrophic loss. To properly understand business income (AKA "time element") protection necessitates a full understanding of four key business income definitions and concepts:

• Business Income – what it REALLY means
• Period of Restoration and its effect on coinsurance and coverage limits
• Operational Capability – when is it reached
• Time Doctrine (why business income is called time element coverage)

Each of these definitions and concepts is detailed in this one hour class. As odd as it sounds, this one, single, solitary hour may serve to simplify a coverage that leaves many insurance professionals cowering in the corner. Hyperbole, maybe, or maybe not! You have to be there to find out.