ACORD 810: Business Income and Extra Expense Explained

ACORD 810 supplements the ACORD 140 Property Section when an applicant requests business income, extra expense, or rental value coverage. It organizes the exposure by premises and building so the insurer can understand how a physical loss could interrupt revenue or create added operating costs.

It is application information, not a binder, policy, coverage grant, or claim calculation.

What information appears on ACORD 810?

The form identifies the premises, building, type of business, and requested business income, extra expense, or rental value approach. It records options for coinsurance, maximum period, monthly limitation, extended period, ordinary payroll, civil authority, utility services, and dependent properties. A published specimen also provides entries for manufacturing risks, tuition fees, continuing locations, and other coverage details.^[1]

These selections must match the main property application. If ACORD 140 requests business income but the 810 identifies a different premises or coverage option, the underwriter cannot reliably price the exposure.

What numbers should a business owner prepare?

Start with recent financial statements and a defensible projection for the policy year. Separate continuing expenses from costs that stop during a shutdown. Identify payroll that must continue to retain key staff, the longest realistic repair or rebuild period, and added costs required to operate temporarily elsewhere.

Rental-property owners should distinguish rental value from the operating business's income. Manufacturers should account for production bottlenecks, long-lead machinery, inventory timing, and utilities. Schools and service firms may have different seasonal or tuition patterns.

Why do dependent properties and utilities matter?

A key supplier, customer, manufacturer, or service provider can halt the business even when its own building is undamaged. The 810 asks for names and addresses of relevant off-premises power or dependent properties.^[1] Listing a dependency on the application does not guarantee the policy includes the corresponding endorsement or limit, so confirm the issued forms.

The period of restoration is also not simply the time until doors reopen. Revenue may recover gradually, which is why an extended period option can matter.

Frequently asked questions

Is ACORD 810 a business income worksheet?

It collects detailed business income and extra expense selections, but an insurer may also require a separate financial worksheet to calculate the limit.

Does completing ACORD 810 create coverage?

No. Coverage exists only under the issued policy, declarations, and endorsements.

Should ordinary payroll be excluded automatically?

No. Decide how long the business needs to retain employees after a loss and compare that need with the available option.

Where can you obtain ACORD 810?

Eligible users can obtain current licensed editions through the ACORD Forms Portal, which allows forms to be searched by number or keyword.^[2] Applicants should use the copy supplied by their broker or authorized system and retain the completed submission.

This guide is for educational purposes and describes the application in original words. Menlo Insurance Services is not affiliated with ACORD Corporation. The form does not bind or amend coverage. Your issued policy controls. Talk to a licensed broker about your financial exposure.

The Bottom Line

ACORD 810 translates interruption exposure into coverage selections and underwriting facts. Verify the location, financial basis, payroll treatment, dependencies, extra expenses, and restoration period before signing.