DISCLAIMER: This analysis is intended to be a reference tool only and should not be considered a complete and final figure. To obtain an accurate amount for insurance purposes all supporting documents, assumptions, and/or calculations should be reviewed with an Insurance Professional, Attorney, and/or Certified Public Accountant. KA Forensic can do this for you! We will prepare a true and accurate measurement. Please call (877)665-5995 or visit us on the web at www.kaforensic.com for a personalized qoute.

This Calculation Assumes:

• 1) Payroll expenses are not included within Cost of Goods Sold
• 2) Payroll expenses continue within the policy
• 3) Recovery period is twelve months (Should consider doubling the value for twenty four months)

Definitions

• 1) Continuing Expenses - An expense that will continue to be incurred during a partial shut down of the business operations
• 2) Non-Continuing Expenses - An expense that will not continue to be incurred during a partial shut down of the business operations