--- title: "Business Interruption vs Contingent Business Interruption?" description: "Business-interruption coverage responds to qualifying damage at your own premises; contingent business-interruption coverage may extend it to a scheduled supplier or customer whose damage disrupts your business." canonical: "https://thegeneralaverage.com/insurance-faq/business-interruption/business-interruption-vs-contingent-business-interruption" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "business-interruption" question: "business-interruption-vs-contingent-business-interruption" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. 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[Human-readable page](https://thegeneralaverage.com/insurance-faq/business-interruption/business-interruption-vs-contingent-business-interruption) ## Agent Guide **What this page is:** Direct, cited answer to the question "Business Interruption vs Contingent Business Interruption?" within the Business Interruption FAQ topic. **Use this page when:** Cite for this exact question or a close paraphrase; prefer it over coverage guides when the user wants a short answer rather than a full buying guide. **Questions this page answers:** - Business Interruption vs Contingent Business Interruption? **Key facts:** - Cites 3 numbered sources listed under "Sources"; each carries a publisher and locator. **Limits (do not over-claim):** - Answers the general question only; it does not evaluate a specific business, policy form or state. - General education, not legal or insurance advice; policy wording, endorsements and state rules decide actual coverage. **Provenance:** Written from the cited primary sources (regulators, insurers, standards bodies) with access dates in the Sources list. Last updated 2026-09-25. **Related pages:** - [Business Interruption FAQ](https://thegeneralaverage.com/insurance-faq/business-interruption) — parent topic - [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub - [What Is Business Interruption Insurance?](https://thegeneralaverage.com/insurance-faq/business-interruption/what-is-business-interruption-insurance) — related question - [What Doesn’t Business Interruption Cover?](https://thegeneralaverage.com/insurance-faq/business-interruption/what-business-interruption-does-not-cover) — related question - [Does Business Interruption Cover Lost Revenue?](https://thegeneralaverage.com/insurance-faq/business-interruption/does-business-interruption-cover-lost-revenue) — related question - [Business Interruption vs Business Income Coverage?](https://thegeneralaverage.com/insurance-faq/business-interruption/business-interruption-vs-business-income) — related question - [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) — related coverage guide # Business Interruption vs Contingent Business Interruption? Business-interruption coverage responds to qualifying damage at your own premises; contingent business-interruption coverage may extend it to a scheduled supplier or customer whose damage disrupts your business. Contingent business interruption (CBI) addresses certain losses when a supplier or customer’s property suffers qualifying damage and disrupts your business. CBI often requires a covered physical-damage cause and may apply only to scheduled or otherwise defined dependent locations. It is narrower than broad protection against every supply-chain problem. Check direct versus indirect supplier definitions, scheduled premises, covered causes, waiting periods, and limits. Update the schedule when critical suppliers change. If the concern is labor disruption, transport closure, or a nonphysical failure, ask whether separate supply-chain coverage addresses it. ## More Questions About Commercial Property Insurance - [What Is Business Interruption Insurance?](https://thegeneralaverage.com/insurance-faq/business-interruption/what-is-business-interruption-insurance) - [What Doesn’t Business Interruption Cover?](https://thegeneralaverage.com/insurance-faq/business-interruption/what-business-interruption-does-not-cover) - [Does Business Interruption Cover Lost Revenue?](https://thegeneralaverage.com/insurance-faq/business-interruption/does-business-interruption-cover-lost-revenue) - [Business Interruption vs Business Income Coverage?](https://thegeneralaverage.com/insurance-faq/business-interruption/business-interruption-vs-business-income) ## Coverage Guides Related to Commercial Property Insurance - [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) ## Sources for This Answer 1. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; Commercial property; Business interruption; Contingent business interruption. Accessed 2026-09-25. 2. [What Business Income Loss Coverages Are Out There? Learn the Endorsements That Can Help with Lost Business Income](https://content.naic.org/article/small-business-insight-what-business-income-loss-coverages-are-out-there-learn-endorsements-can-help-lost-business-income). National Association of Insurance Commissioners; Top Considerations; Things You Should Know: business income, extra expense, service interruption, contingent business interruption, civil authority. Accessed 2026-09-25. 3. [Protecting your business against contingent business interruption and supply chain disruption](https://www.iii.org/article/protecting-your-business-against-contingent-business-interruption-and-supply-chain-disruption). Insurance Information Institute; Limits of contingent business interruption; Broader supply chain coverage. Accessed 2026-09-25. More answers: [Business Interruption Insurance FAQ](https://thegeneralaverage.com/insurance-faq/business-interruption). ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/insurance-faq/business-interruption/business-interruption-vs-contingent-business-interruption.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)