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utility service interruption coverage

Utility service interruption coverage provides insurance for loss due to lack of utility services, such as power, communication, or water supply services, caused by damage from a covered cause (such as a fire or windstorm) to property away from the insured's premises—usually the utility generating station.

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Also referred to as service interruption coverage or off-premises power coverage, it is not provided in a standard property insurance policy but is available by endorsement. Utility service interruption coverage endorsements vary widely as to what utility services are included, whether both direct damage and time element loss are covered, and whether loss from damage to transmission lines is covered.


Off-Premises Power Coverage, Service Interruption Coverage