Federal law enacted after the 9/11 terrorist attacks requires the government to certify whether an act of terrorism has occurred for businesses to determine liability for losses. If a business did not buy specific terrorism coverage an official designation could make it harder to get reimbursed.
The Boston Globe reports that many small businesses on Boylston Street did not buy terrorism coverage.
Most business losses resulted from closing Boylston Street as a crime scene, not from the fatal explosions on April 15. Proving a loss requires tallying receipts from a previous comparable period to demonstrate the cost of being shut by authorities.