What is a requirement for utility interruption coverage under the B and M policy?

Utility interruption coverage under a Business and Management (B and M) policy is designed to protect against financial losses that occur when there is a breakdown of utility services essential for business operations. The key requirement for this coverage is that the interruption must directly result from a breakdown of the utility service itself. This means that if the utility is disrupted due to reasons such as equipment failure or maintenance issues, the coverage would apply, providing the business with financial support to mitigate losses during the downtime.

This ensures that the policy is intended to address specific incidents rather than offering blanket protection for any utility service disruption without a clear cause. Such a focus helps businesses better understand the risks they are insured against and ensures that claims are filed under appropriate circumstances, related to actual failures or breakdowns of utilities they rely on.

Other options do not accurately reflect the scope or structure of utility interruption coverage, which emphasizes the need for a clear causal link between the utility breakdown and the business's financial losses.