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ORIGINAL: JGardner

While searching co-insurnace issues, I found a thread involving the comparison of Business Interruption coverage between the BOP and CP policies.  Ancillary information from this thread indicates there's no coinsurance clause in the BOP forms, but it exists in the CP forms.  This is a terrific thread (in content & flow) for an attachment to this thread's topic of Commercial Estimates. (NOTE: Posts are organized from the bottom up.)

The additional coverage for Civil Authority in the CP 0030 policy form provides up to three (3) weeks of coverage 72 hours after the declaration.  If there's no direct physical damage from a covered loss, then the insured is only allowed for the three (3) weeks.  This information is especially pertinent in the case of Rita and Katrina claims from New Orleans.