We insure a hospital that suffered a loss of a CT scan, and the replacement of the equipment took about ten months. During that period, the CT scan department was not able to generate income and suffered a suspension of its operations. The other departments of the hospital continued to operate.
The insured filed a claim for business interruption. The company argued that the coverage part in use in Puerto Rico is CP 00 30 10 90 and that the form requires a total suspension of operations in order to trigger coverage.
The 1990 form does not define suspension, and the wording on the coverage part does not read "necessary total suspension of your operations", but "necessary suspension of your operations."
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