Policy provides indemnity for loss of gross profit (net profit plus insured standing charges). In addition, the Policy indemnifies the increased cost of working i.e., the abnormal expenditure incurred by the insured to keep the business, as far as possible, at its normal level. The perils covered are the same as those covered under the standard Fire Policy. However, the Policy may be extended to cover special perils like failure of electrical/gas/water supply and property situated elsewhere.