政府命令保障 Civil Authority Coverage

关键定义 KEY DEFINITION

Civil Authority Coverage（民政当局命令险）是 Business Income extension，承保 Government Order 禁止 access 至 insured premises（如因 neighboring property damage）导致的 income loss，通常有 waiting period 和 limited duration。COVID-19 closure 诉讼中 coverage 争议广泛——多数 court 认定 virus 不 trigger civil authority without direct property damage。