The smart thing to do would be to amend your disclosures, as lying on the form can cause your insurance company to drop your coverage and/or refuse to pay for medical procedures. Or--just try not to...
Business Income coverage seeks to make the insured whole in the event of a covered physical loss of property such that operations are impaired or must cease in the event of covered causes of loss...
Co-insurance is the amount that can be billed to a member or another insurance the member might hold. With medicare, it's the amount that your secondary will get billed and whatever they don't pay...