Your business interruption insurance policy should list or describe the types
of events it covers. Events that are not listed on, or not described in, the
policy are typically not covered. It is important to review the policy exclusions,
coverage limits, and applicable deductibles. You should also determine if the
policy requires your business interruption to last for a certain time period
before you are entitled to any policy benefits.
Business interruption coverage typically applies only after a property loss
that leads to the interruption. An example is a fire in your office forces
you to suspend business activities.
Coverage varies across policies. It is important to read your particular
policy and speak with your insurance company representative for more information.