Short answer: It depends on the cause. Business income and utility service interruption coverage can respond when a covered event damages equipment or utilities; a general grid outage without physical damage is often not covered.

The details

Equipment breakdown covers failures of your own systems.

Ask how your policy defines utility service interruption.

Coverage always depends on the specific policy, its exclusions and endorsements, and each carrier’s underwriting.

Related: equipment breakdown · business income.

More questions: Does salon insurance cover products I sell? · What is equipment breakdown coverage for salons? · Does salon insurance cover client infections?.

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