Business interruption insurance claims

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How to file a business interruption insurance claim

This message is for business owners throughout the United States that have been forced to close their doors due to COVID-19. Your business interruption insurance claim may be covered and you may be eligible for financial coverage even if your insurer has denied your claim.

COVID-19, also known as Coronavirus has caused a nationwide shutdown to the American economy, disrupting millions of business owners each day. Many businesses have lost and will continue to lose income due to this invisible enemy that is attacking our country.

The biggest question being asked throughout the nation is “Will my business interruption insurance claim cover my lost income during the quarantine and non-essential business shut down orders?”.

Most insurance providers will deny your business interruption claim by claiming that there must be “physical losses or damages” to your business. They are also denying

be wondering if your business interruption insurance, normally part of a larger property insurance policy, will cover your losses. Most insurers are routinely denying business interruption claims by misrepresenting that the Coronavirus does not constitute physical loss or damage. They are also denying claims for business interruption under the “civil authority” provisions of policies claiming no physical loss was present outside of the insured’s property, despite civil orders requiring businesses to close. Insurers are routinely making other misrepresentations surrounding business interruption claims.

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  1. We will get you reimbursed for the cost of your damaged vehicle for free.
  2. We will ensure your personal health is taken care of.
  3. We will ensure that all of your property damage  is reimbursed for free.
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Do not take your insurer’s word that your policy will not cover business interruption losses.

Business interruption insurance coverage depends on your policy’s terms and the circumstances surrounding the loss experienced by your business. For instance, certain policies contain an explicit exclusion of coverage for losses caused by a virus. These policies will likely not provide coverage absent other facts showing direct physical damage. But if a virus exclusion is absent from a policy, your business has an argument that coverage should extend to the coronavirus.

Throughout the United States, especially in California, insurance companies are actively denying business interruption policies even with no virus exclusions. The likelihood of your case being denied if filed without a lawyer is much higher when compared to being filed with a lawyer.

Having an experienced and aggressive law firm by your side from the very beginning of your claim can make or break your chances of being approved for coverage. Our business interruption insurance claim attorneys can help: 

Please contact our firm as quickly as possible if your business interruption claim was recently denied, if you have a reservation of rights letter, or if your insurer is delaying acceptance or investigation of your business interruption claim.

In many states, including California, insurance companies are legally required to financially cover an insured’s lawyer fees if they wrongfully deny business interruption coverage.

Our firm is accepting a limited amount of these cases on a contingency fee basis. This means you pay absolutely nothing out of pocket to get started and we receive nothing unless you are repaid by the insurer.

Other related legal issues on high demand due to COVID-19:

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