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 …
Civil Authority and its impact on a Business Income claim:
- The loss of business income must be caused by the civil authority action.
- The civil authority action must prohibit access to the insured business.
- The civil authority action must be caused by direct physical loss of or damage to property away from the insured’s premises.
- 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.