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Assessment findings

• The scenario reduces indicative available resources to 6,290 MW against 6,800 MW illustrative demand — severe indicative system stress.
• An illustrative 12-hour interruption episode would exceed the 2-hour backup endurance by 10 hours, exposing refrigeration and cold storage.
• Highest potential business impact: refrigeration and cold storage (critical exposure). Illustrative business interruption band E — Severe.

Client investigation and evidence

• Confirm client and site with the client — currently estimated.
• Confirm electricity dependency with the client — currently estimated.
• Confirm backup generator with the client — currently estimated.
• Confirm backup endurance with the client — currently estimated.
• Confirm fuel availability with the client — not yet established.
• Confirm production flexibility with the client — not yet established.
• Confirm transfer to another site with the client — not yet established.
• Confirm business continuity plan with the client — not yet established.
• Confirm alternative arrangements with the client — not yet established.
• Confirm operate without grid with the client — not yet established.
• Confirm electricity supply with the client — not yet established.
• Confirm backup electricity with the client — not yet established.
• Confirm refrigeration and cold storage with the client — not yet established.
• Confirm critical suppliers with the client — not yet established.
• Confirm transport and logistics with the client — not yet established.
• Confirm water supply with the client — not yet established.
• Confirm telecommunications with the client — not yet established.
• Confirm insurance policy wording with the client — not yet established.

Internal broker notes

No internal notes provided.

Insurance review prompts

Policy wording not yet provided; obtain it as a follow-up.

• Business interruption cover: Whether BI is triggered without physical damage at the insured premises.
• Public utilities interruption extensions: Whether the extension requires damage to utility property, and whether transmission vs distribution is covered.
• Contingent business interruption: Named vs unnamed suppliers, tiers covered and applicable sublimits.
• Deterioration of stock: Whether cover requires change in temperature from utility failure, and any maintenance or monitoring warranties.
• Increased cost of working: Economic limit test and any additional ICOW limits.
• Waiting periods and indemnity periods: Waiting period length (e.g. hours) and indemnity period adequacy.
• Limits, sublimits and exclusions: Sublimits, aggregate limits and any exclusions for planned outages, grid instability or cyber causes.
• Relevant policy wording and coverage triggers: Definition of 'damage', 'utility', 'supply undertaking' and causation language.

Assumptions

• All electricity system capacities, demand, imports and interruption episodes are synthetic illustrative assumptions, not public operator data.
• This is a site-specific screening assessment, not a forecast or coverage determination.
• Unknown production flexibility is screened as Medium.
• Unconfirmed critical suppliers is screened as High pending client investigation.
• Financial loss figures are not required; exposure bands are illustrative and are not monetary loss estimates.