Coastal Manufacturing Thought They Were Fully Insured... The Policy Exclusion Proved Otherwise
Most Business Interruption policyholders never realize how specific policy language can affect their policies — until they learn how it can affect a claim. My Policy Advocate™ helps you understand your coverage before you need it.
Coastal Manufacturing’s Dependent Property Loss*
Coastal Manufacturing's assembly line halted when their main out-of-state supplier was destroyed by a tornado. They faced $1.5 million in lost revenue. The insurer denied the claim, citing the US-standard trigger: coverage only applies to a direct physical loss at the insured’s own business address.
Potential Denial (The Exclusion):
Losses resulting from damage to a supplier's or customer's property (contingent business interruption) require a separate, special endorsement that is rarely included by default.
Risk Identified by My Policy Advocate:
US policies often require explicit “Dependent Property” or “Contingent BI” endorsement for supplier/customer loss.
Policy Language:
“We pay for loss of income due to necessary suspension of operations during restoration caused by physical loss at your premises.”
Discovery by Clara, our Ai Assistant:
Clara searches the policy for the presence of a “Dependent Property” or “Contingent BI” endorsement, which protects against supply chain interruptions.
Questions to Ask Your Agent:
- If my biggest supplier is destroyed or shut down, is that covered?
- Do I have dependent property/contingent BI on my policy?
* This scenario described is fictious and is solely for illustrative or educational purposes so the insured has the opportunity to discuss these issues with their licensed insurance producer.
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