Summary:  This article discusses the nature and scope of the utility services exclusion and coverage endorsements available with the ISO property insurance program. Utility Services—Direct Damage, CP 04 17 10 12 is necessary if coverage is desired against physical loss or damage to covered property stemming from interruption of utility service on or away from the described premises.

Utility Services—Time Element, CP 15 45 09 17 is necessary if coverage is desired for loss of business income and/or extra expenses caused by the interruption of service to the described premises resulting from direct physical loss or damage by a covered cause to the appropriate utility services selected.

Those businesses confronted with possible loss to perishable stock can also obtain coverage via Spoilage Coverage, CP 04 40 12 20 , which covers loss by the (1) breakdown or contamination from mechanical breakdown or mechanical failure of refrigerating, cooling, or humidity control apparatus, (2) contamination by a refrigerant; or (3) power outage either on or off the described premises.