典型的物質損壞條款要求同一保單持有人的相關財物權益已有物質損壞保險，且該保險人已就引致營業中斷的損毀承認責任或作出賠償。
A typical material damage proviso requires material damage insurance on the same policyholder's relevant property interest and an admission of liability or payment by that insurer for the damage causing business interruption.