Opinion ID: 793431
Heading Depth: 3
Heading Rank: 1

Heading: gross earnings

Text: 14 This policy insures against loss resulting directly from the necessary interruption of business caused by damage to or destruction of the Insured Locations resulting from Terrorism, Sabotage, Mutiny, Insurrection, Rebellion, or Coup d'Etat. 15 This section is specifically extended to cover a situation when access to the Insured Locations is prohibited by order of civil authority as a direct result of damage to adjacent premises, not exceeding, however, two (2) consecutive weeks. 16 Policy, § III.C.1. 17 To recover gross earnings under this language, United would be required to demonstrate that the business interruption at issue resulted from either 1) physical damage to property at the insured location in question, i.e., the Airport, or 2) an order of civil authority as a direct result of physical damage to property adjacent to the insured location in question, i.e., the Pentagon. As explained in part III of this opinion, United is able to show neither. 18 United argues, however, that a third provision of the Policy, contained in section I.A. — what it calls the Suppression Damages Clause — provides a separate basis upon which it may recover from ISOP its loss of gross earnings without having to establish either of the foregoing prerequisites. United's argument in this respect fails because, simply put, there is no Suppression Damages Clause. The first section of the Policy states: