Business interruption coverage is that insurance covering the loss of income as a result of a covered loss. To recover damages for a business interruption claim, it must be shown that the insured suffered physical damage to the insured property caused by a covered peril, resulting in an interruption of the business that causes actual monetary loss or loss of business income. In addition, it must be established that the loss of income occurred during the "period of restoration" defined by the policy. Finally, the insured cannot recover anything in excess of the actual loss sustained as it is intended to provide the insured the amount of profit it would have earned but for the interruption. Coverage for loss of business income is available under both a business interruption coverage provision, and under a contingent business interruption provision of a policy.