"For business interruption to be triggered under civil authority, there also has to be some physical damage in the area where the property is located and coverage typically lasts up to 30 days," Worters pointed out.If the business cannot operate due to the loss of power, there could be coverage under what is typically referred to as "off-premises service interruption." In this scenario, the business owner does not have to have damage to their facility, but the power outage must be caused by damage from a covered peril under the policy such as wind, fire, electrical breakdown, etc.
Has Your Business Been Affected By Hurricane Sandy? Understanding Your Insurance Can Help You Get Your Business Back In The Black
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