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Period of Restoration: One Concept You Need to Get Right

Quick Overview

If a building catches fire, the cost to repair or replace the building is relatively simple to calculate and you will know quickly whether or not the building has sufficient limit on the policy. The bigger question will be how long will it take to repair and how much money will the insured need from their Business Income policy to make up the difference while the building is being repaired. That's based on how long it'll take to repair, or in the words of the policy, the Period of Restoration. Join us as Christopher Boggs brings us up to date on the concept of the Period of Restoration and how we need to understand it for the good of our clients.

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Date	Jan 29, 2026
Time	10:30am Pacific / 1:30pm Eastern
Duration	1 hour
Location	Online Webinar
Formats	Live
Instructor	Christopher J. Boggs

Business Income is often referred to as Time Element coverage. The reason is because it is based on time – specifically how long any given insured may lose business income following a loss.

Everything surrounding business income coverage is based on this time. We refer to this as the Period of Restoration. This period is used to develop the coverage limit and even the coinsurance (that’s right, coinsurance isn’t chosen for the insured, the insured gets to chose it).

The most important concept in business income is the Period of Restoration.

The fact that the Period of Restoration is the most important concept is not the problem. The problem arises out of the fact that EVERYONE understates the reality of the Period of Restoration.

IF YOU GET THE PERIOD OF RESTORATION WRONG, YOU WILL GET SUED!

Let’s take a little time together to discuss the reality of the Period of Restoration and do better job of properly protecting our clients.

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