Most of the time, B.I. insurance also covers business interruption arising from a mandate by "civil authorities" that prohibits the use of the business premises. In other words, if the state or local authorities prohibit access to the business location, that could trigger B.I. coverage. Examples include the interruption of business that arises from a mandatory evacuation order, or an order prohibiting residents or businesses from returning following a storm.
Business interruption policies differ in their language, and what may be covered under one policy may be excluded under another. Most importantly, to properly address a B.I. claim, you must examine, photograph and document the physical damage to the premises that results in the business interruption. Often independent experts are required to properly document and prove a business interruption claim.