Which type of coverage would a business use to protect against loss of income due to property damage?

A business would use Business Interruption Insurance to protect against loss of income resulting from property damage. This type of coverage specifically addresses the financial impact that can occur when a business is unable to operate due to an insured peril, such as a fire, flood, or major damage to its physical premises.

Business Interruption Insurance provides financial compensation for lost revenues during the period the business is being restored to its operational state. It can also cover ongoing expenses such as rent and utilities that still need to be paid even if the business is temporarily closed. Therefore, this insurance is crucial for maintaining the financial health of a business during a disruption caused by physical damage.

The other options, while relevant to different types of risks businesses face, do not fulfill this specific need for income protection following property damage. Property Damage Insurance itself primarily covers the actual physical damage to property, not the loss of income associated with that damage. Commercial General Liability Insurance provides coverage against various liabilities but does not cover income lost due to property damage. Professional Liability Insurance, on the other hand, deals with claims of negligence or errors related to professional services and does not relate to property damage or resulting income loss.