English to Portuguese Law/Patents Insurance Policy

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Gostaria de saber a melhor tradução, do inglês para o português, da expressão TIME ELEMENT COVERAGE no seguinte contexto:

Cláusula X - Property of Others will not extend any TIME ELEMENT COVERAGE provided under this Policy to the owner of the property and is limited to property in the Insured's care, custody or control.

Encontrei a seguinte definição no site http://www.rkmc.com/Time-Element-Coverage.htm:

I. INTRODUCTION

Time element coverages are those where the measurement of loss is tied to a period of time. Most time element coverages are related to business, but there is an analog in the homeowners' policy in the form of the additional living expense coverage. This paper concentrates on the time elements under commercial coverages.[1]

Over the past century, insurance for time element losses has evolved from a fairly simple type of business interruption coverage to a menu of coverages that address developing circumstances and needs. This paper is intended as an overview of those time element coverages. In order to put the coverages in the current context, examples will be given from recent cases. An in-depth study of any of these issues requires study beyond the scope of this paper. This is particularly true in those instances where the reported cases are not in agreement, such as whether there must be a total cessation of business, or whether the post-loss business market can be considered in determining the amount of loss.

Outra definição:

Many marine insurance underwriters will include "time element" coverage in such policies, which extends the indemnity to cover loss of profit and other business expenses attributable to the delay caused by a covered loss.

Será que posso traduzir como "cobertura de sinistro pelo período estimado de lucros cessantes"? Alguém tem alguma sugestão melhor?


Desde já agradeço sua valiosíssima ajuda!!!