Broker Essentials Business Income Protection
Just like people need disability insurance, so do business operations. Surviving a shut down after a loss is key to any business continuing into the future. In this course we will address these needed coverages.
One CE Hour Approved
British Columbia Saskatchewan Manitoba
Business Interruption Basics
Learn the foundations of Business Interruption Insurance, including indirect loss, covered property damage triggers, restoration periods, BI limits, mitigation duties, and why brokers must address income exposure before a major loss.
Profits Form
Learn how the Business Interruption Profits Form works, including net profit, standing charges, the average clause, ordinary payroll, indemnity periods, due diligence, building code delays, and broker placement decisions.
Misc. Business Interruption
Learn how Extra Expense, Rental Value, and Contingent Business Interruption coverages fill key BI gaps for businesses that must keep operating, landlords, and clients with supplier, customer, or traffic dependencies.
About the course
Master one of the most important areas of commercial property insurance by learning how Business Interruption coverage protects a client's financial survival after a covered property loss. This course explains the foundations of Business Interruption insurance, compares Gross Earnings and Profits Forms, and explores specialized coverages including Extra Expense, Rental Value, and Contingent Business Interruption (CBI). You'll learn how indemnity periods, standing charges, payroll treatment, restoration timelines, and external business dependencies affect coverage decisions. Designed for Canadian P&C brokers, this course provides practical guidance for identifying exposures, recommending appropriate forms, and helping commercial clients recover financially after a major loss.
Meet Your Instructor
For more than four decades, Todd Hochban has worked with Canadian insurance brokers, helping them better understand property and casualty insurance through practical, real-world education. As a seasoned educator, industry speaker, and course developer, he has trained thousands of brokers across Canada, translating complex insurance concepts into clear, actionable learning. Every BrokerBytes course is designed with one goal in mind: to provide practical knowledge that brokers can immediately apply in conversations with clients, underwriting submissions, and claims situations. Rather than focusing on theory alone, these lessons emphasize the issues brokers encounter every day. Whether you're new to the industry or building on years of experience, BrokerBytes delivers concise, focused learning designed for today's busy insurance professional.