In the given options, events that are not insurable typically involve scenarios where the risk is either uninsurable by traditional insurance policies or falls outside the scope of insurable events due to various reasons. Let's analyze each scenario provided:
1. A fire caused by faulty wiring has burned out a wall at Smith Cleaners:
This scenario could be insurable as it falls under property insurance coverage, which usually includes coverage for fire damage resulting from electrical faults. However, the insurance company might investigate the cause of the fire to determine if negligence or intentional damage was involved.
2. A blackout means the Morningside Bakery cannot make this morning's pastries:
Blackouts due to power failure are generally not insurable events as they are considered a part of normal business risks. Businesses are expected to have contingency plans in place to mitigate the impact of such disruptions without relying solely on insurance coverage.
3. A printing company's massive color printer breaks down mid-project:
Equipment breakdown or machinery failure like the color printer in this scenario is usually insurable through equipment breakdown insurance. This type of policy provides coverage for sudden and accidental breakdowns of machinery, helping businesses cover repair or replacement costs.
4. A food store's employees are picketing a change in their work schedule:
Employee strikes or labor disputes are typically not insurable events under standard business insurance policies. These situations are considered part of employment-related risks and fall outside the scope of traditional insurance coverage.
In summary, while the first and third scenarios could be insurable depending on the specific circumstances and insurance policies in place, the second and fourth scenarios are examples of events that are generally not insurable due to being part of normal business operations or employment-related issues.
