Which of the following covers losses incurred by a business due to an unforeseen interruption of operations?

Business interruption coverage is specifically designed to cover losses that a business incurs due to an unexpected event that disrupts its operations. This type of coverage addresses lost income that a business would have earned if the interruption had not occurred, along with ongoing expenses such as rent and utilities that the business still needs to pay while not operating normally.

This coverage is essential for businesses as it helps them recover financially from situations like natural disasters, fires, or other emergencies that halt operations. It is particularly important because standard property insurance typically covers only physical damage, not the loss of income during recovery.

In comparison, the other types of coverage listed address different aspects of risk. Direct property coverage protects physical assets like buildings and equipment but does not cover income loss. General liability coverage is focused on protecting a business from legal claims and damages arising from injuries or damages to others, not from operational interruptions. An umbrella policy provides additional liability coverage over and above existing policies but does not cover business income losses directly.

Thus, the focus of business interruption coverage on income loss due to operational disruptions makes it the correct answer in this context.