I have come across a business income policy that provides coverage for damage "caused by or resulting from…" I was wondering if you are aware of any writings on the difference between "caused by" and "resulting from?". I would like to see something clarifying the difference, if any.

California Subscriber

We have a complete analysis of the Business Income and Extra Expense Coverage form where the caused by and resulting from language is discussed. Basically, caused by would require that the loss or damage be a direct cause of a covered cause of loss, while resulting from would require that the loss or damage be a direct result of the covered cause of loss.

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis