Opinion ID: 2972650
Heading Depth: 2
Heading Rank: 1

Heading: Business Income and Extra Expense

Text: The Federal policy provided coverage for “Business Income And Extra Expense.” (J.A. at 501.) Specifically, the policy insured against business income lost “due to the actual impairment of [Norvest/Norquick’s] operations” and extra expenses incurred “due to the actual or potential impairment of [Norvest/Norquick’s] operations.” (J.A. at 501 (emphasis omitted).) Per the terms of the policy, the actual or potential impairment must be caused by or result from “direct physical loss or damage by a covered peril to property. . . .” (J.A. at 501 (emphasis in original).) The 2 The Court notes that the Occupational Safety and Health Administration (OSHA), part of the Department of Labor, limits a worker’s exposure to ammonia to fifty (50) ppm over an eight-hour work shift. 29 C.F.R. § 1910.1000(a)(2) (2003). Further, the United States Department of Agriculture (USDA) limit for ammonia exposure is one hundred fifty (150) ppm. (J.A. at 885.) 3 This Court notes that the report on ammonia contamination levels that was provided to the USDA by its private contractor refers to a “fire event.” (See, e.g., J.A. at 765.) This report is not read as concluding that any contamination recorded was caused by a fire. Rather, this Court accepts “fire event” as shorthand to describe the events of January 12, 2000. The reference to a “fire event” has no bearing on the on the outcome of this case. No. 03-2479 Federal Ins. Co., et al. v. Hartford Page 4 Steam Boiler Inspection and Ins. Co. policy defines a “covered peril” as “a peril covered by the Form(s) shown in the Property Insurance Schedule Of Forms, except Care, Custody Or Control Legal Liability, applicable for the lost or damaged property.” (J.A. at 570 (emphasis in original).)