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Video On Demand

Business Income, Extra Expense, Off-Premises Utility Failure, and Spoilage Coverage

Total Credits: 1 including 1 CE Credit

Average Rating:
Commercial Lines |  Commercial Lines - Specialty Policies
David A. Thompson
52 Minutes
Access for 90 day(s) after purchase.


After every hurricane, as soon as the wind stops blowing claim denials “blow in” relating to business income, spoilage, and off-premises utility failure. Situations like this came up in 1992 after Andrew, after the very active 2004 storm season, after Katrina, after Sandy, and after the 2016 and 2017 storm seasons. It’s not unique just to hurricanes either; the same issues arise after tornadoes, ice storms, and wildfires.


This class looks at the coverage provided for both direct damage and civil authority issues. The requirements to trigger coverage will be covered, as will exclusions, deductibles, and time limitations. Three ISO endorsement to provide additional coverage will be discussed. Numerous actual claims will be used as examples.

Course Materials


David A. Thompson Related seminars and products: 3

CPCU, AAI, API, CRIS, Education Instructor

Florida Association of Insurance Agents

David is FAIA's full-time insurance nerd, presenting continuing education seminars on a variety of subjects and writing technical articles and blogs on topics of interest to agents. David graduated from Mercer University and served seven years as a commissioned officer in the U.S. Army and U.S. Coast Guard. He started his insurance career in a family-owned independent agency in Vero Beach, where he sold all types of insurance. He joined FAIA in 1996.

State Specific Details

State Approval Information Details

TN - This course is approved for 1 hr CE - Course # 30687

LA - This course is approved for 1 hr CE - Course# 31827



Overall:      4.5

Total Reviews: 125


Denice B - Jacksonville, Florida

"a lot of content for short time still awesome class"

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