Business Income Worksheet

Business Income Worksheet

Evaluating the business income loss exposure requires an understanding of how business income losses are measured, how a business interruption affects expenses, and the property and perils that business income losses can involve. In other words, it can be pretty tricky.

Business income and extra expense loss exposures are often overlooked, but is an exposure common to all businesses regardless of type or size. Business interruption losses can result in monetary losses exceeding the amount of the physical losses that cause them. This is where the rubber hits the road. You want the peace of mind that the coverage you have in fact fully covers your losses. Part of the service that Atlas professionals provide is educating our clients about the need for this insurance and arranging coverage to meet our client’s specific exposures.

This Business Income Worksheet is a tool you can use to ‘estimate’ the business income limit of insurance required should your business suffer a covered loss. You can fill it out, print it and take it with you, you can e-mail it to yourself or your agent, or you can ‘SUBMIT WORKSHEET’ and forward to Atlas for evaluation and consult. We’re more than happy to help!

  Current Estimated Percent Change Projected  
  Past 12 Months
%
Next 12 Months PERCENTAGE invalid
Month 1
$
%
$
CURRENT value invalid. PERCENTAGE invalid PROJECTED value invalid
Month 2
$
%
$
CURRENT value invalid. PERCENTAGE invalid PROJECTED value invalid
Month 3
$
%
$
CURRENT value invalid. PERCENTAGE invalid PROJECTED value invalid
Month 4
$
%
$
CURRENT value invalid. PERCENTAGE invalid PROJECTED value invalid
Month 5
$
%
$
CURRENT value invalid. PERCENTAGE invalid PROJECTED value invalid
Month 6
$
%
$
CURRENT value invalid. PERCENTAGE invalid PROJECTED value invalid
Month 7
$
%
$
CURRENT value invalid. PERCENTAGE invalid PROJECTED value invalid
Month 8
$
%
$
CURRENT value invalid. PERCENTAGE invalid PROJECTED value invalid
Month 9
$
%
$
CURRENT value invalid. PERCENTAGE invalid PROJECTED value invalid
Month 10
$
%
$
CURRENT value invalid. PERCENTAGE invalid PROJECTED value invalid
Month 11
$
%
$
CURRENT value invalid. PERCENTAGE invalid PROJECTED value invalid
Month 12
$
%
$
CURRENT value invalid. PERCENTAGE invalid PROJECTED value invalid
  Current   Projected  
A. Gross Sales
$
 
$
 
B. Discounts, Returns, Bad Debts, Prepaid Freight,
Collection Expenses
$
 
$
CURRENT expenses invalid. PROJECTED expenses invalid
C. Net Sales (A - B)
$
 
$
 
D. Other Earnings from your business
operations
$
 
$
CURRENT earnings invalid. PROJECTED earnings invalid
E. Total Revenue (C + D)
$
 
$
 
F. Cost of Goods Sold
$
 
$
CURRENT costs invalid. PROJECTED costs invalid
G. Net Income and Expenses (E - F)
$
 
$
 
H. Estimated period of shutdown    
 
I. Estimated business income limit of
insurance required.
$
 
$
 


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Disclaimer: Please note, information contained in this worksheet is for illustration purposes only, is general in nature, does not represent insurance contract provisions and is not meant to take the place of an insurance review. Please read your policy for specific details or contact one of our Atlas Agents for more information.