Civil Authority Loss Calculator

Civil authority access restrictions trigger BI coverage under specific terms. This calculator sizes the loss.

Daily revenue

Restriction days

Wait period (days)

Daily fixed cost

Recoverable loss

$115,500

Gross loss

$147,000

Wait period uninsured

$31,500

How the math works

Recoverable = (days − wait) × (daily revenue + daily fixed costs).

Read the civil authority clause the day you buy the policy. Default admitted-market wording often requires damage within 1 mile and a covered peril; many owners discover too late that pandemic-driven closures were specifically excluded post-2020.

How to Use

Enter average daily revenue.
Enter restriction days.
Enter policy wait period days.
Enter daily operating expense continuing.
Read recoverable loss.

Frequently Asked Questions

Coverage trigger?

Civil authority order (evacuation, closure, curfew) that prohibits physical access to the premises AND is a direct result of covered property damage at a nearby location. Most policies: 1-mile radius, covered peril. Some broaden.

Wait period?

Typical 24-72 hour waiting period before coverage begins — losses during wait are uninsured. Negotiable at renewal; 24-hour common for quality programs, 72-hour default in admitted market.

Duration cap?

Coverage typically caps at 4 weeks (28-30 days). Hurricane evacuations, pandemic lockdowns often exceed. Ask for 60-90 day extension, especially for hospitality and retail in coastal or high-peril regions.