The Correct Answer is "Both loss of sales as well as standing charges ".

• The Loss of Profits Policy is formulated to cover the likely monetary loss occurring from break-in business activity that may arise due to physical loss of property by an event covered for insurance.
• Loss of profit (LOP) insurance provides coverage for financial losses due to delays in the loss in sales, construction, standing charges and infrastructure projects.
• LOP will also provide a payout if companies face higher costs or lost profits when a project takes longer than expected to complete. 
• LOP is often called delayed completion coverage or delay in start-up (DSU) insurance as well. 

• LOP will also provide a payout if companies face higher costs or lost profits when a project takes longer than expected to complete.
• LOP is often called delayed completion coverage or delay in start-up (DSU) insurance as well.
• Loss of profit insurance only covers the actual loss of gross profit stemming from a delayed project. 

•  A standing charge is added to most gas and electricity bills, or any other service provider bills.
•  It's a fixed daily amount that customers have to pay, no matter how much energy they use.
•  A standing charge covers the costs your energy supplier incurs to get gas and electricity to you.