And yet, most policyholders aren’t rushing to extend indemnity periods or change their business interruption (BI) coverage, said experts last week at the RIMS Canada Conference in Calgary. “We are in a really, really tough market,” she said during a panel discussing global disruption in insurance programs. So instead of adjusting limits or extending the indemnity period to match today’s longer rebuild times, many organizations are just renewing the same BI program structure they had before, including same limits and restoration period, say P&C commercial insurance experts. The first is to extend the indemnity period where possible. “We added six months to our indemnity period.