Property insurance policies will often contain a “civil authority” provision that provides coverage for losses caused by or resulting from an order issued by civil authorities that prohibits access to the insured premises.
Civil Authority Provisions in Property Policies
Courts have generally interpreted "civil authority" provisions as requiring that access to the insured premises must be made impossible and have consistently resisted attempts by insureds to expand coverage to situations where access to the insured premises is merely made inconvenient.
By
Sara E. Coury And Seth A. SchmeeckleThis premium content is locked for LawJournalNewsletters subscribers only
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