What does the additional coverage for “business income” in a BOP cover?

The additional coverage for "business income" in a Businessowners Policy (BOP) specifically addresses the loss of income that a business may experience as a result of property damage caused by a covered peril. This coverage is vital for businesses, as it helps ensure they can maintain their operational expenses during the period when they cannot conduct normal business operations due to the damage to their property, such as fire or severe weather.

By compensating for lost revenue during the restoration period, this coverage provides essential financial support, allowing a business to continue paying fixed costs like rent, utilities, and employee salaries, thus preventing a total financial setback.

The other options pertain to different aspects of insurance coverage that are not captured under the "business income" provision. Injury claims from customers relate to liability coverage, theft pertains to property coverage, and liability for product defects falls under general liability coverage. Each of these aspects serves distinct purposes and is covered by different sections of an insurance policy, highlighting the specific role the business income coverage plays within a BOP.