A U.S. appeals court ruled in Zurich American Ins. Co. v. ABM Industries, No. 04-445-CV, 2005 WL 299700 (2nd Cir. Feb. 9, 2005) that an engineering and janitorial contractor's business interruption coverage applied to losses resulting from the 2001 terrorist attacks on the World Trade Center.

 ABM provided janitorial, lighting, and engineering services and operated the HVAC systems for the World Trade Center. It also serviced the common areas, had effective control over the freight elevators, and kept offices, storage space, and a call center in the complex.

 ABM's insurance policy covered properties it serviced throughout North America and provided coverage for business interruption, extra expense, contingent business interruption, leader properties, and civil authority. As a result of the terrorist attacks, ABM claimed that it lost all income from its World Trade Center operations.