很好！Business Interruption（营业中断保险） 是 RIBO Commercial Insurance 前三大高频考点，几乎每次考试都会出现 2–5 题。
很多考生不是不会，而是容易混淆：
- Business Interruption（营业收入损失）
- Extra Expense（额外费用）
- Gross Earnings Form
- Profits Form
- Period of Restoration（恢复期间）
- Direct Physical Loss（直接物理损失）
下面这套题完全按照 RIBO 真题风格设计。
Business Interruption 专项陷阱题（15题）
第1题
Business Interruption insurance is MOST likely triggered by:
A. A decline in sales due to increased competition.
B. Direct physical loss caused by an insured peril.
C. A change in market conditions.
D. Poor management decisions.
第2题
A restaurant closes because of a fire covered by its property policy.
Business Interruption insurance primarily reimburses:
A. The cost to rebuild the restaurant.
B. Lost business income during restoration.
C. The value of destroyed equipment.
D. Employee medical expenses.
第3题
Which expense is MOST likely covered under Extra Expense coverage?
A. Lost profits.
B. Renting a temporary location to continue operations.
C. Rebuilding a damaged warehouse.
D. Replacing inventory destroyed by fire.
第4题
A business suffers a covered fire loss and rents temporary office space so it can continue serving customers.
Which coverage responds?
A. Crime Insurance
B. Extra Expense
C. Commercial Property
D. Equipment Breakdown
第5题
Which statement about Gross Earnings Form is TRUE?
A. It only covers extra expenses.
B. It primarily protects gross earnings lost during interruption.
C. It covers employee dishonesty.
D. It replaces Commercial Property insurance.
第6题
Which form is MOST focused on Net Profit plus Continuing Expenses?
A. Gross Earnings Form
B. Extra Expense
C. Profits Form
D. Crime Form
第7题
A clothing store closes for two weeks after a covered fire.
Customers permanently shop elsewhere during the closure.
Business Interruption insurance generally covers:
A. Loss of income during the restoration period.
B. Future loss of customers forever.
C. Market share indefinitely.
D. Reduced sales caused by new competitors.
第8题
Business Interruption coverage usually ends when:
A. The insured earns a profit again.
B. Repairs should reasonably have been completed.
C. The insured decides to reopen.
D. One year after the loss.
第9题
Which of the following is NOT usually covered by Business Interruption insurance?
A. Continuing payroll (if insured)
B. Lost income
C. Damage to the building itself
D. Loss during restoration
第10题
A power outage affects an entire city.
The insured building suffers no physical damage.
Business Interruption coverage will MOST likely:
A. Respond automatically.
B. Not respond.
C. Pay only lost profits.
D. Cover only employee wages.
第11题
Which policy is specifically designed to help a business continue operating after a covered loss?
A. Commercial Property
B. Extra Expense
C. Crime Insurance
D. Boiler & Machinery only
第12题
Business Interruption insurance requires:
A. Employee negligence.
B. Direct physical damage from a covered peril.
C. A lawsuit.
D. A decline in market demand.
第13题
A manufacturer spends extra money to speed up production after a fire so customer orders are not lost.
Which coverage MOST likely pays?
A. Extra Expense
B. Crime
C. Commercial Property
D. Equipment Breakdown
第14题
Which statement is TRUE?
A. Business Interruption pays for every reduction in revenue.
B. Business Interruption requires a covered cause of loss.
C. Business Interruption covers losses from poor economic conditions.
D. Business Interruption replaces liability insurance.
第15题（综合陷阱）
After a covered fire:
- The building is repaired by Day 90.
- The owner chooses not to reopen until Day 150 because of personal reasons.
Business Interruption insurance MOST likely pays until:
A. Day 90
B. Day 150
C. One full year
D. Until the business becomes profitable again
请按下面格式作答：
1. B
2. B
3. B
4. B
5. B
6. A
7. A
8. B
9. B
10. B
11. B
12. B
13. A
14. B
15. A提示：
这 15 题几乎不需要计算，重点考查你是否能区分：
- Business Interruption
- Extra Expense
- Gross Earnings Form
- Profits Form
- Period of Restoration
- Direct Physical Loss
如果这套能达到 13/15（87%）以上，说明你对 Business Interruption 已经达到 RIBO Level 1 的考试水平。
