It seems like there would be coverage as a power surge – though it originated from the electrical company's failure – if its box was ON the insured's premises; does that change or differentiate the power failure off premise exclusion?

For the named peril we are using the Sudden and Accidental Damage from Artificially Generated Current.

Florida Subscriber

You have an interesting situation. Even though your typical power failure from the utility company off premises is excluded, ensuing damage from a peril insured against is covered, and sudden and accidental damage from artificially generated current is a covered cause, so there is coverage. Your case is only strengthened by the fact that the box was on premises instead of off. Coverage applies. Remember however that the electronic components of the equipment are not covered.