Areas of cover that may be relevant to an electricity infrastructure disruption, with the checks a broker would make and the information needed from the client.
North Coast Foods Ltd · Food processing, refrigeration and cold storage · 30-day compound failure. Policy wording is optional for this first assessment and remains a follow-up.
This is an insurance issue-spotting tool, not a coverage determination. Actual coverage depends on the policy wording, insured circumstances and applicable terms, conditions and exclusions.
01
Business interruption cover
Why it may be relevant
Lost gross profit from production stoppage may arise if a trigger is met.
What the broker should check
Whether BI is triggered without physical damage at the insured premises.
Information needed from client
Gross profit, seasonality and maximum indemnity period needs.
02
Public utilities interruption extensions
Why it may be relevant
Interruption originates off-site in the electricity system.
What the broker should check
Whether the extension requires damage to utility property, and whether transmission vs distribution is covered.
Information needed from client
Supply connection details and DNO / supplier information.
03
Contingent business interruption
Why it may be relevant
Suppliers and customers may be affected by the same event.
What the broker should check
Named vs unnamed suppliers, tiers covered and applicable sublimits.
Information needed from client
Critical supplier and customer list with dependency share.
04
Deterioration of stock
Why it may be relevant
Refrigerated stock may deteriorate if cooling is lost.
What the broker should check
Whether cover requires change in temperature from utility failure, and any maintenance or monitoring warranties.