What is the difference between the definitions of "caused by" and "resulting from" in an insurance policy? (Photo: nito/Shutterstock)
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Editor's Note: This week, a subscriber asks how a business income policy places coverage based on occurrences using the phrases "caused by" or "resulting from."
Question: I came across a business income policy that provides coverage for damage "caused by or resulting from…"
Are you aware of the difference between "caused by" and "resulting from"? I would like to understand and be able to explain the difference between these terms.
— California Subscriber
Analysis: Sometimes, even the most simple words can have a complex meaning in the world of policy language interpretation. Some simple words are so important that they carry the weight of a coverage decision on them, such as 'into,' 'out of,' or 'upon' in auto policies.
Answer: To learn the answer to this week's coverage Q&A, please log into your FC&S Expert Coverage Interpretation account.
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