Utility service interruption coverage will cover property damage if a utility supplier experiences damage away from the premises of the insured property due to a covered peril, such as lightning, which then causes damage to your business.

This insurance, also known as off-premises power coverage, is typically an endorsement to commercial property or business income policies.

What does utility service interruption insurance cover?

It typically covers damage to property, loss of income, and expenses incurred to keep your business operating following a utility failure caused by a covered event.

What utilities are included in utility interruption insurance coverage?

Water, such as pumping stations; communications, including telephone, internet, and satellite dishes; and power, including electricity, steam, gas, and transformers.