Business income and extra expense
Besides the property and liability coverage, ACT recommends you to add Business Income and Extra Expense to your coverage.
Business income covers the net profit (net income due to your business operation).
Example: There is a fire that burnt down your factory and you lost everything. The Insurance Company will pay you back your lost income due to the fact that you cannot operate your factory. The cap of the compensation and time period would depend on the terms of your policy.
If you want to resume your operation somewhere else, Extra Expense Coverage can take care of your extra rental expenses and overtime labor needed to catch up the lost in production time.