--- title: "Is business interruption automatically part of an infrastructure BOP?" description: "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." canonical: "https://spot.insure/industries/infrastructure/does-bop-include-uptime" page-type: "industry-faq" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/industries/infrastructure/does-bop-include-uptime) # 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. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy) Ask which covered physical loss must occur, whether an off-site dependency matters, and what waiting period and restoration period apply. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy), [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) Compare cyber-event and equipment-breakdown scenarios separately; do not assume a BOP label settles either response. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance), [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ## Need Help Choosing Coverage? Spot prepares your applications, coordinates with brokers, and helps you compare quotes so you can choose coverage with the key details in front of you. [Book a Free Consultation](https://cal.com/team/spotinsure/insurance-consultation) [Read the Infrastructure Insurance Buying Guide](https://spot.insure/industries/infrastructure) ## More Infrastructure Questions - [Will cyber insurance pay for a cloud-provider outage?](https://spot.insure/industries/infrastructure/does-cyber-cover-cloud-outage) ## Coverage to Discuss - [Cyber liability](https://spot.insure/coverage/cyber) - [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) - [Commercial property](https://spot.insure/coverage/commercial-property) - [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) - [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) ## Sources and Further Reading - [Technology Exposures](https://www.chubb.com/us-en/business-insurance/technology-exposures.html) — Chubb. Technology-service, data, vendor, and interruption scenarios; exposure guide. - [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance) — Federal Trade Commission (content developed with NAIC and federal partners). First-party and third-party cyber examples; not policy wording. First/third-party examples to turn into quote questions, not promises. - [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) — California Department of Insurance. Revised June 14, 2024: buying cover; property/time-element; inland marine; equipment breakdown; GL; workers compensation; rating. CDI explanations of commercial coverage; jurisdiction-specific legal content stays California-only. - [Cybersecurity for Small Business](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity) — Federal Trade Commission. Supplier risk assessment and vendor-breach response. - [Cyber insurance coverage & products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html) — Chubb. Named DigiTech technology E&O and cyber interruption examples; summary, not policy wording. - [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) — National Association of Insurance Commissioners. Small-business coverage categories, exclusions, property interests. - [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy) — National Association of Insurance Commissioners. Business interruption, BOP, covered physical-loss trigger, contingent interruption. Property BI triggers and contingent-interruption questions. - [Launch your business — Get business insurance](https://www.sba.gov/counseling/launch-your-business/) — U.S. Small Business Administration. Business insurance overview, common types and buying steps; broad federal mandate statement not relied on. 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](https://spot.insure/editorial-policy). ## Agent and Developer Resources - [Markdown page](https://spot.insure/industries/infrastructure/does-bop-include-uptime.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)