Summary:  Under the Insurance Services Office (ISO) commercial property program, two basic forms are used for all loss of income coverage: Business Income Coverage Form (and Extra Expense), CP 00 30 10 12, and Business Income Coverage Form (without Extra Expense), CP 00 32 10 12, which is the same as CP 00 30 except that, instead of providing extra expense coverage, it includes coverage only for expenses incurred to reduce the loss, and that coverage is limited to the amount by which the loss is reduced.

Either of these two forms can also be used as the basic form along with appropriate endorsement, CP 15 08 10 12 or CP 15 09 10 12, to provide broad or limited form business income from dependent properties coverage (formerly called contingent business interruption). See Business Income and Extra Expense Endorsements for descriptions of these and other endorsements.

As with other coverages in the simplified commercial property program, forms CP 00 30 and CP 00 32 are used with common policy and commercial property declarations pages, common policy and commercial property conditions pages, a causes of loss form, and any appropriate endorsements, to produce a monoline policy. Other forms in any combination may be added to form a package policy.