Is business interruption automatically part of an infrastructure BOP?

No universal package is implied. NAIC says a BOP may combine property, liability, and business interruption for some small businesses; the quote and policy show what is included.

Ask which covered physical loss must occur, whether an off-site dependency matters, and what waiting period and restoration period apply.7,3

Compare cyber-event and equipment-breakdown scenarios separately; do not assume a BOP label settles either response.2,3

Read the Infrastructure Insurance Buying Guide

Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education. Policy wording and applicable state rules determine terms for a particular business.

Updated 2026-09-28. Editorial Policy

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