Does a supplier delay trigger business-interruption coverage?

Not necessarily. Contingent business interruption may require physical damage at a dependent business. A delay alone should not be assumed to meet the form’s trigger; check the actual wording.

Name each supplier or facility and ask whether it meets the form's dependent-property definition, what event triggers the coverage, and which waiting period, restoration period, sublimit or exclusion applies. Check separate cyber or service-interruption wording for port, labor or software outages.3,7

Read the Supply Chain and Logistics 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 terms and state-specific obligations determine coverage and requirements.

Updated 2026-09-28. Editorial Policy

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Create your account and submit an insurance request online.

Talk to Spot