Business Interruption Insurance - Consumer Justice Foundation

Business Interruption Insurance

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Business owners who have suffered substantial economic losses due to COVID-19 and the government-mandated shutdowns and had their business interruption claims denied may have grounds to sue their insurers.

For business owners who have been ordered to temporarily shut down their businesses during the coronavirus crisis, business interruption insurance should provide compensation for current and future losses sustained as a result of COVID-19 and the response by civil authorities to stop the spread of the virus. COVID-19 is an unprecedented public health and economic crisis and businesses nationwide are finding that the significant financial losses they have and will continue to suffer as a result of the coronavirus pandemic may not be covered under their business interruption insurance policies. If you have a legitimate business interruption insurance claim due to losses stemming from COVID-19 and your claim has been denied by your insurance company, contact our consumer advocates at Consumer Justice Foundation today. We can help put you in touch with an attorney who can review your case and determine whether you are eligible for a business interruption insurance lawsuit.

Why We Think Businesses with BI Policies are Entitled to Coverage

Business interruption policies generally require “direct physical loss or damage” to a business’ property or equipment in order for business interruption coverage to apply and insurers are claiming during COVID-19 that the presence or suspected presence of coronavirus does not constitute the requisite physical loss or damage for business interruption coverage. Over the past several months, dozens of individual and class action lawsuits have been filed by business owners seeking coverage for the significant economic losses they have sustained as a result of the COVID-19 pandemic. Each of the lawsuits involves similar allegations that the coronavirus pandemic and the stay-at-home orders and business shutdowns implemented by civil authorities to stop the spread of the virus:

  • Trigger business interruption coverage,
  • Were issued in response to dangerous physical conditions,
  • Have caused physical property loss and damage to the insured property, and
  • Provide coverage for future civil authority orders that result in future interruptions of business operations

What should you do? If your business has suffered income loss and extra expenses due to the COVID-19 pandemic and your business interruption insurance claim has been denied, you should contact a lawyer as soon as possible to discuss filing a COVID-19 income loss lawsuit.

Dozens of business owners with business interruption insurance have file suit against insurers nationwide, seeking coverage for economic losses they suffered as a result of the coronavirus outbreak and government-mandated business closures and stay-at-home orders. Receiving the appropriate business interruption coverage during COVID-19 could mean the difference between losing your business and keeping it afloat during the ongoing pandemic. For more information about suing for business interruption coverage amid the COVID-19 pandemic, contact our consumer advocates at the Consumer Justice Foundation today.

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