Extra Expense coverage helps pay for the extra costs involved in operating your business if substantial damage occurs. This type of coverage can help you find a temporary place to stay while your property is repaired, borrow equipment while yours is being replaced, and cover extra payroll costs to compensate workers for handling repairs on time. This coverage is also beneficial if a natural disaster damages your business and you opt to continue operating instead of shutting things down temporarily. It's often purchased along with business interruption insurance, and insurance companies offer the coverage in commercial property insurance policies and Business Owners' Policies as well.