Utilities & Communications Failure BI Expert Witness
Utility and communications failures can interrupt trading without direct physical damage to insured premises. Whether BI responds depends on off-premises power or communications extensions, public utility exclusions, and causal linkage wording.
Experts quantify the outage window using operator logs, smart meter data, carrier incident reports, and operational records, then apply BI mechanics to estimate incremental loss after saved expenses and partial operational workarounds.
Where insurers argue concurrent causes - for example regional load shedding alongside unrelated demand weakness - tribunals benefit from explicit scenario analysis and disclosure of key sensitivities.
Frequently Asked Questions
Are utility outages covered by standard BI policies?
Coverage depends on policy wording. Some policies include off-premises power supply extensions; others exclude utility failures unless caused by insured physical damage. An expert analyses both coverage and quantum.
How is income loss calculated during a power or telecoms outage?
Experts establish outage duration, project but-for revenue during that period, account for partial operations or alternative arrangements, and calculate net loss after saved expenses.
Glossary Terms
Short definitions for terminology used on this page - see the full business interruption glossary.
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