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Hightemperaturesanddroughtconditionscausedagolfcoursedespiteitsmitigationeffortstolosemostofitsgreens.Elsewhereaseverestormdowneddozensoftreesonagolfcourse.Inbothsituationsbusinessincomewasreducedorsuspendedforseveralmonths.IsthiscoveredunderstandardISOformsWeknowthatISOdirectpropertyformscovertreesshrubsandplantsforonlyminimallimitsandperilswithdroughtandwindstormnotbeingcoveredperilsforsuchdamagetotreesandgreens.ButwhataboutbusinessincomecoverageHastherebeendamagetox1cpropertyx1donthepremisesDoestheSpecialCausesofLossformexcludetheseperilsIntheseverestormscenariothegolfcourseandcountryclubwerecoveredundertheCP0010andCP1030forms.TheCP0030coverslossofbusinessincomecausedbydamagetopropertyonthepremises.ItdoesnotmatterifthedirectdamageiscoveredunderotherformsornotaslongasacoveredperilontheCP1030damagespropertyx14notnecessarilyx1ccoveredpropertyx1dx14onthepremises.Meanwhileinthedroughtcasetheinsureddisputedthecompanyx19sdenialofcoveragebyaninsuredperilundertheCP1030formsayingthatgolfcourseshouldbecoveredbythepolicyx19sbusinessinterruptionprovision.Atfrstglanceonewouldthinkthiscouldnx19tpossiblybecoveredbyinsurance.Howevertheimportantthingiswhatthepolicyformssay.IfthecompanyhasdeniedtheclaimwhatexclusiondidtheyciteInreviewingthescenarioVirtualUniversityfacultymembersagreedmoreinformationwasneededaboutthecitedexclusionandthecauseforthedamage.Butsomesaidtherex19sapossibilitythatthebusinessincomelosswouldbecovered.Onefacultymembernotedx1cUnlikedirectpropertycoveragebusinessincomecoverageonlyrequiresdamagetox18propertyx19onthepremises.Itdoesnotrequirelosstox18coveredproperty.x19GrassispropertysoabsentanexclusionisthebusinessincomelosstothegolfcoursecoveredItlookslikeitistome.x1dBillWilsonbill.wilsoniiaba.netisdirectoroftheBigx1cIx1dVirtualUniversity.ThefullversionofthisstoryincludingVUfacultyresponsesisontheVU.Forhelpaccessingthewebsiteortorequestlogininformationemaillogoniiaba.net.coVeringgolFcourseBilossesFromWeAtherdAmAgeISbICOVEREDUNDERSTANDARDISOFORMSVUExPERTSANAlyzETWOGOlFCOURSESCENARIOSpage17APublicationofIndependentInsuranceAgentsofWVBigx1cIx1dAdvantageVirtualRiskConsultantPoweredbyRoughNotes