A type of business interruption insurance that uses a monthly limit on loss
recovery in lieu of a coinsurance clause. The declarations show both a total
limit of insurance and the portion of that total limit (expressed as a
fraction: one-third, one-quarter, etc.) applicable to loss in each month
following the direct damage loss. The monthly limit of indemnity coverage
option in the Insurance Services Office, Inc. (ISO), business income coverage
forms approximates the coverage provided under an earnings insurance form.