Utility services coverage
Utility services coverage is property-policy wording that may address loss caused by interruption of electricity, water, communications, or other scheduled utility service away from the insured premises. It is not assumed from a general property declaration alone.
The location and cause of an interruption matter. In Northern Spy Food, the court evaluated off-premises utility wording alongside the policy’s food-spoilage provisions and flood exclusion. Treat utility service as an endorsement and schedule review: identify the service, the property location, the covered cause, and whether resulting income loss is separately addressed.
Sources
- Primary source: Northern Spy Food Co., LLC v. Tower National Insurance Co. — Published New York record applying policy language that addressed interruption of power off the insured premises and the cause of that interruption.