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Hotels, restaurants, and clubs encounter fires and other perils under circumstances similar to those of other business establishments. Owners lose not only physical assets and inventories but also the income from sales that would have oc curred. Further, they have continuing expenses to meet and service contracts which must be paid.The New York Times Magazine (Sunday, June 2, 1968) reports interviews with Washington merchants and service trade operators and their difficulties in covering losses they experienced in the April riots, following the assassination of Rev. Martin Luther King. Most had inadequate insurance and few had business interruption in surance. Elsewhere after disaster, the business story has been much the same.This article by Richard L. Haugland examines the need for business interruption insurance and explains possible coverage. Mr. Haugland, who was formerly with the Travelers Insurance Co. in Seattle, is the author of "Fire Insurance Rates and Restaurant Design," which appeared in the February 1968 (Vol. 8, No. 4) issue of this magazine. — Editor [ABSTRACT FROM PUBLISHER]