Expediting expense and extra expense both cost money after a loss, but they aim at different things. Expediting expense is the reasonable extra cost of temporary repairs and of speeding up permanent repairs or replacement, such as overtime pay or air freight for a part. It shortens the repair.

Extra expense pays to avoid or minimize the suspension of business while repairs take their normal course, for example by operating from a temporary location. Under the business income form, extra expense pays to repair or replace property only to the extent it reduces the business income loss that would otherwise be payable.

Business interruption coverage may exclude certain perils, such as virus or pandemic. ISO has an exclusion endorsement for loss due to virus or bacteria (CP 01 40). Coverage may be available for additional premium, sometimes through a specialty product. Extra expense does not get around the exclusion, because it depends on the same covered causes of loss.