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Business Interruption Insurance Claims

Has your business suffered economic loss due to the COVID-19 pandemic, and/or the Governor’s subsequent shutdowns of significant portions of the economy? Do you expect your commercial insurance policy to cover that loss? You are not alone.

Many small businesses throughout the country have responsibly and consistently paid premiums to their insurance carrier but are now being told that their policy does not cover losses related to the COVID-19 pandemic.

Business interruption insurance is intended to make businesses whole after suffering both unforeseen and unavoidable losses. This could mean coverage for projected unearned profits, operating expenses and other fixed costs, business relocation costs and employee wages. In the face of the COVID-19 pandemic, insurance carriers have started categorically denying these types of business interruption claims. In some cases, these carriers are wrong.

By categorically denying these types of claims, your insurance carrier may improperly withhold benefits you’re entitled to receive. Perhaps your carrier has already denied your claim. In either case, our skilled insurance coverage attorneys are prepared to help by offering the following services:

  • Review of your insurance policy and help getting your claim filed;
  • Communicate with your insurance carrier and their counsel on your behalf;
  • Evaluate your losses under the coverage afforded by your policy;
  • Negotiate a fair settlement with your insurance carrier; and/or
  • File a lawsuit against your insurance carrier.

We encourage you to contact us as soon as possible to discuss your claim and options moving forward. PLEASE NOTE THAT TIME IS OF THE ESSENCE. If you have not already submitted a claim, your time to notify your carrier and make a claim may be ending soon. 

We are here to help you through these unprecedented times and look forward to fighting alongside you.

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