I recently attended a seminar where I heard an instructor discussing business income coverage. She was talking about the need for a concrete company to add back coverage under the commercial property coverage form for the concrete trucks parked at the described premises at night. Her reasoning was that if the trucks were then damaged while at the described premises, business income coverage would be activated.

I specifically asked if she was saying that in order to activate business income coverage there must be damage to covered property from a covered cause of loss at the described premises. She said yes. I disagree. Please advise.     

Indiana Subscriber