If there is a business interruption due to windstorm damage to vehicles parked on the insured's premises, does the phrase "to property at premises described" encompass any kind of property, like vehicles? Would such a loss be covered under business income coverage?

Puerto Rico Subscriber

While the commercial property form lists vehicles as property not covered, there is no such limitation on the business income form CP 00 30 04 02. In addition, CP 00 30 is not tied to the commercial property form; it can be written as a stand-alone coverage. Based on this, vehicles may be considered property in context of the business income insuring agreement, which requires that business income losses arise from a "suspension" of business that is caused by direct physical loss of or damage to property at described premises.