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Like all things "business casual" is a context driven term - depends on the culture of the organization and the region of the country. There are no formal rules, but here are a few basic ideas:
- California
- Casual: t shirt, jeans
- Business Casual: collared shirt, dark jeans
- Business: Sportcoat, dark jeans (no tie)
- Formal: Tux, dress
- Midwest
- Casual: t shirt jeans
- Business Casual: polo, khakis
- Business: Suit and tie
- Formal: Tux, dress
- New York
- Casual: polo, jeans
- Business Casual: collared shirt, khakis
- Business: Suit and tie
- Formal: Tux, dress
Again, the context matters. An internet startup in NY may dress more CA and a financial firm in CA may be more NY styled.
"Very business casual" is then on the lower end of business casual.
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