The BOP includes numerous other coverages to protect your business from a variety of accidental events that could wreck havoc on your financial well being. These include the followng.

• Actions of Civil Authorities
• Bogus Money Orders and Counterfeit Money
• Business Income from Dependent Properties
• Computer Operations Interruption
• Debris Removal
• Electronic Data Loss
• Expense to Preserve the Value of Property
• Fire Extinguisher Recharge
• Forgery or Alteration
• Fungi, Rot and Bacteria
• Window Glass Breakage Expenses

Actions of Civil Authorities - Sometimes physical damage to property other than your own leads the police or other civil authorities to prevent you from having access to your own premises. If the loss at the other property is due to a cause covered by your policy, then the insurer will pay for your actual loss of business income and any necessary extra expense caused by the action of civil authorities.

By way of example, assume you own a hair salon. An explosion has significantly damaged other businesses near you, although your own premises suffered no physical damage. The police close off the whole block for a week, preventing your business from operating from that location. Your insurer will cover your lost income and extra expense caused by this action.

Bogus Money Orders and Counterfeit Money - Should your business make the good faith mistake of accepting bogus money orders or counterfeit money, the insurer will pay up to policy limits to cover the loss.

Business Income from Dependent Properties - This coverage, which may also be called "Contingent Business Income" or "Contingent Business Interruption," applies when your business is dependent on another operation, and the other operation is unable to conduct its usual business because it has been damaged by a cause of loss that is covered by your policy. Should you suffer a loss due to such damage at the premises of a business you depend on (dependent property), the insurer will pay for the actual loss of business income you sustain.

For example, you've designed a new type of folding beach chair, and you have many orders to ship it in time for the summer selling season. Your chairs are manufactured at the Contract Furniture Factory (CFF). Due to damage from a fire, CFF is unable to make your chairs. Should neither you nor CFF have a backup manufacturer who can fulfill the contract, you will lose income from the orders you cannot ship. Your insurer will pay for the net income loss you suffer as a result. However, if damage at CFF is due to an earthquake, and you don't have earthquake insurance this coverage will not apply since the damage at the dependent property was not due to a covered cause of loss.

Computer Operations Interruption - Should computer operations be interrupted due to a covered cause of loss, your insurer will pay up to policy limits for business income lost and extra expenses incurred as a result of the computer problem. In addition to other causes of loss, this coverage applies to a loss caused by a computer virus, harmful code, or other harmful instructions entered into your computer system or a network to which it is connected. There is no coverage, however, for loss or damage caused by the actions of any employee, including temporary or leased employees, or by anyone you hire to work on your computer system.

Debris Removal - When a building is destroyed or damaged by fire, wind or other peril, debris is left that must be removed before reconstruction can occur. The business policy, within certain conditions, covers the cost of removing debris left behind as a result of a covered cause of loss.

Electronic Data Loss - In the event electronic data is destroyed or damaged as the result of a covered cause of loss, the insurer will pay the cost to replace or restore it. Causes of loss that apply to this coverage include a computer virus, harmful code, or other harmful instructions entered into your computer system or a network to which it is connected. The coverage applies as well to cyber extortionists who threaten to bring your computer system down with a code or virus if you don't meet their demands. There is no coverage, however, for loss or damage caused by the actions of any employee, including temporary or leased employees or by anyone you hire to work on your computer system. Negligent work by third parties should be covered by their liability insurance.

Expense to Preserve the Value of Property - To preserve the value of property, it may be necessary to move it from the insured premises to another location. For example, if a major storm is predicted and your building has no basement, you may want to move some of your high-value inventory to a safer location. The property policy covers such property while it is being transported and for up to 10 days after it is moved to the alternative location.

Fire Extinguisher Systems Recharge Expense - If your fire extinguishing system is discharged, other than during installation or testing, the insurer will pay to have it recharged or replaced, whichever costs less.

Forgery or Alteration - The insurer will pay up to policy limits, unless you buy a higher limit, for losses resulting directly from forgery or alteration of any check, draft, promissory note, or similar promise of payment in money that you or your agent issued or that someone impersonating you or your agent issued.

Fungi, Rot, and Bacteria - Your BOP insurer typically limits the situations in which it will pay for loss or damage caused by fungi, wet or dry rot, or bacteria. Usually, the insurer will pay up to policy limits only when the underlying cause of the damage is a specified cause of loss other than fire or lightning that occurs during the policy period and only if you used all reasonable means to save and preserve the property from further damage at the time of and after that occurrence.

Window Glass Breakage Expense - Where glass has been broken, the insurer will pay expenses to put up temporary boards if repair or replacement of damaged glass is delayed.