Coverage for Business Income does not trigger unless damage occurs due to direct physical loss to the described premises and must also be caused by a Covered Cause of Loss like Fire or Windstorm. Civil Authority that prohibits access to the described premises due to direct physical loss to property, other than the described premises, must also be caused by or resulting from a Covered Cause of Loss like Fire or Windstorm.
Unfortunately, COVID-19 or any other virus, bacteria, or disease, which results in the business shutting down or losing customer revenue is not covered a Covered Cause of Loss. Regardless, if your business suffers an interruption, call 254.582.2621 to discuss the situation with one of our commercial staff so we can file a claim with your insurance carrier and let them make the final determination.