From my limited understanding there is usually a maximum sum...

From my limited understanding there is usually a maximum sum insured on a BI policy , and it is 2 fold.

One is $ terms as 100% of the sum insured , the second then must relate to the actual expenses that continued over the 12 month period that was lost because the insured event.

Does anyone know the sum insured , my memory was the sum insured on BI was usually much lower than the property damage sum insured which was over $100m , so maybe they might get another $20m ??? which is nice but not a game changer as the price of Iron ore is