However, while the insurer brings significant expertise to getting the business back on its feet as quickly as possible once a loss has occurred, at this stage it can only mitigate the disruption and damage that has already occurred. Of course it is. If the business still has its client database, its business controls, its image, its financial controls, its market place, its employees, its distribution system and lots of other things then, perhaps, in a short of period of time, it will not notice the hiccup on the night of the incident. Within continuity planning the devil is in the detail. This could be in as short a time as days.
Taste is a particularly good metaphor.
These indemnity periods under increased cost of working or loss of profits covers are as crucial as the sum insured. The protection of the cover will, of course, cease at the end of that pre-agreed period and you could find yourself still in temporary premises and incurring costs. Still ahead of you may be the potential major cost to relocate your premises back into your permanent building. Naturally, in a disaster you may wish to increase expenditure above the norm to protect your distribution system or customer base. Generally speaking, the insurer would be happy to discuss this expenditure with you but it will, unless negotiated beforehand, expect that expenditure to be economic within the time scale of the policy indemnity period.