Business income: Resuming operations with a power generator

The insured sustained damage to business premises following a hurricane. (Photo: Shutterstock)

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Editor’s Note: This week’s question involves an insured with business income coverage and an endorsement for Utility Services-Time Element on their policy. Following Hurricane Maria, the insured was able to resume operations within a short period of time with the use of a power generator. The question relates to how business income coverage applies to the waiting period for the utility services, including when that waiting period ends, and when the business income coverage ends.