I insure a bill-collection agency on a businessowners policy, form BP 00 02. The agency's automatic dialing system was struck by lightning and damaged. The direct damage loss was covered.

However, the system could not be replaced immediately, so temporary employees were hired to place manual calls. The insurer paid these employees under the BOP's extra expense coverage. The agency owner now is making a business income claim, but I don't think business actually was suspended. It just was slowed down.

Should business income coverage apply?