The sweet aroma of cotton candy and the sounds of the carnival midway filled the air at the county fair. The insured and his wife were volunteering in a United Fund booth. The insured was a student body president at a local community college and his wife an elementary school teacher.

Outwardly, it was the kind of firm pictured in business advertising: with smiling, uniformed employees posed next to new trucks parked in front of the firm's new plant. Business was about to increase substantially due to a contract with the U.S. Postal Service. How the insured acquired that contract was one of the many questions that arose following the loss.

Adjusting Business Income claims and calculation of the amount payable is typically considered difficult to understand and complex. When claims professional look for how-to information they discover it is hard to find. Yes - several books have been written on coverage, theories and principles but most fail to provide the step-by-step information.