What Doesn’t Business Interruption Cover?

Business-income coverage is not general protection for any revenue decline. Many forms require covered physical damage to insured property, so a market downturn, loss of customers, or closure without the required trigger may not qualify. Flood, earthquake, equipment breakdown, utility interruption, supplier losses, and cyber events may be excluded or require a separate endorsement. Pandemic exclusions and civil-authority conditions also matter.

Read the coverage trigger alongside the exclusions; an endorsement may change one cause without changing the others. Confirm the insured locations, waiting period, income definition, restoration period, sublimits, and any dependent-property schedule. Ask the insurer to explain how the specific disruption you worry about would fit the quoted form.