Please render an opinion on the following set of circumstances.

The policy in question is the business interruption coverage under a commercial property program with the special causes of loss form. The insured, owner of a motel, had his power lines cut, on premises, by a sewer subcontractor while doing work. An ensuing business interruption loss claim submitted to the insurer was denied under the negligent work exclusion, with the comment, "since the damage was caused by negligent work of the sewer contractor, your policy does not provide coverage for this loss."

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