Contingent business interruption

Contingent business interruption, often written as dependent property coverage, protects the parts of your revenue that live outside your own four walls. If a supplier who makes a component you cannot substitute burns down, if a customer who represents a large share of your sales is shut down, or if the anchor property that drives foot traffic to your location goes dark, this is the coverage that responds.

Insurers usually think about dependent property in a few flavors: contributing locations that supply you, recipient locations that buy from you, manufacturing locations that make products for you, and leader locations that attract your customers. Each has to be identified, and many policies require the specific locations to be scheduled by name, which means the coverage is only as good as the list someone built and maintained.

This is the coverage that quietly saves airport concessions, port dependent logistics, mall retailers, and anyone whose business model assumes somebody else stays open. If losing one relationship would meaningfully dent your revenue, that relationship belongs on a schedule somewhere.

Related terms

This page is education, not advice. Policy language varies by carrier, form, and state, so confirm how your own program is written with a licensed insurance professional.