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Public safety concerns may prompt civil authorities to take action to protect people and property. For example, a governor can issue a mandatory hurricane evacuation, a mayor can close roads during inclement weather, the …

Source: www.setnorbyer.com

Civil Authority and its impact on a Business Income claim:

  1. The loss of business income must be caused by the civil authority action
  2. The civil authority action must prohibit access to the insured business
  3. The civil authority action must be caused by direct physical loss of or damage to property away from the insured’s premises.
  4. The loss or damage to property away from the insured’s premises must be caused by or result from a loss that is covered under the insured’s policy