Example
After a hurricane, local government issues a mandatory evacuation prohibiting access to your business. Civil authority coverage compensates lost income during the access restriction: even if the business itself suffered no direct damage.
Typical limits
Civil authority coverage is usually sublimited (e.g., 2-4 weeks). Review your policy language carefully.
Triggers required
- Action by a civil authority
- Access to the insured premises prohibited
- The action must be caused by direct physical loss of or damage to property other than the insured's property