What Circumstances “trigger” my Business Loss Insurance policy?

What does my policy cover for Business Loss Insurance? It depends on your policy. Typically, if the circumstances affecting your business are the same as those covered in your policy, your business loss claim would be triggered. In the context of COVID-19, such triggering circumstances arose when various state and local governments prevented businesses from operating.

Policies offered by The Hartford typically contain a clause in the policy related to a “civil authority” shutdown. The majority of businesses in the United States were under such orders. If business losses occurred as a result of such orders, it triggers the policy.

business income loss clause
Figure 1: Text taken from a Hartford Insurance Policy

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