Coverage line
Business Interruption
Connect a shutdown to the affected location, property event, business-income wording, waiting terms, and financial records needed for review.
How to use the Business Interruption section
This section is for the income and operating-expense side of a shutdown. It is intentionally linked to commercial property because the useful review starts with the event, the affected location, and the issued coverage wording—not the interruption in isolation.
- Resolve the terminology
Start with the business-interruption and business-income comparison so the policy language and the everyday label are not treated as different products.
- Identify the property event
Use the commercial-property section to name the damaged property, cause of loss, location, and endorsement at issue.
- Trace a disputed fact through the record
The Northern Spy Food case file shows how a court record connects an outage, its cause, and the wording presented in that dispute.
Guides
- Restaurant and hospitality insurance: the 2026 operations playbook
Restaurants and hospitality businesses need to separate the policy package from the operational gaps around it. This playbook maps the BOP foundation, workers’ compensation and liquor-law variations, property and food-inventory documentation, and the exact records to pull before a loss or a certificate request turns into a coverage problem.
Public record case files
- Food spoilage and an off-premises power failure in Northern Spy Food
The restaurant had a power outage and spoiled food, but the court found that the interruption began at the utility and was caused by flooding—an excluded event under that policy. Check where an outage began, what caused it, and the actual utility-service and spoilage wording before assuming food loss is covered.