What Doesn’t Business Interruption Cover?
Business-interruption coverage usually requires a qualifying covered event, often physical damage to insured property.
It may exclude revenue losses from market changes, cyber events, flood, or other causes unless the policy adds specific coverage. 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.
