In which situation can a "Civil Authority" coverage provide benefits?

"Civil Authority" coverage is designed to provide benefits when access to insured property is limited by a civil authority due to a peril that threatens safe access, typically following an insured disaster. This coverage is applicable in situations where a government entity or official has enacted a lawful order restricting access to certain areas to protect public safety, such as after a natural disaster or other civil emergencies.

In this context, a civil authority may close roads or impose evacuations in the aftermath of events like fires, hurricanes, or flooding, directly impacting the insured's ability to use their property. The coverage compensates for the loss of income or additional expenses incurred during the time access is restricted, thus addressing the financial repercussions of such governmental actions.

The other options refer to circumstances that fall outside the civil authority coverage parameters. A fire affecting the insured property refers to property damage, while an employee injury relates to workers' compensation, neither of which invokes the governmental action aspect of civil authority provisions. Theft in a commercial property is an event covered under different portions of an insurance policy and does not involve preventive measures taken by a civil authority.