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    Business Interruption Claims

    COVID-19-Related Claims

    The current pandemic due to COVID-19 leads to unprecedented economic damages for business owners. The government-mandated shutdown for all non-essential businesses has affected businesses statewide. Nationally, the monthly potential loss for small businesses is estimated to be about $220-383 billion.  In this time of uncertainty, business owners look to insurance policies to counter the financial impact of the pandemic, which of course occurred by no fault of the business owner. While the purpose of business interruption insurance is to provide business owners with security and to reimburse the amount lost, insurance companies are denying the very coverage that might be the only way to keep businesses afloat during this pandemic. This is coverage policy-owners have paid for in premiums adding up to substantial sums.
    Generally, in order to have a valid business interruption claim, there must be a covered loss that is not excluded in the policy and physical damage caused by the covered loss. One key question that has been raised is whether government orders to physically shutter businesses constitutes physical damage under the policy to trigger coverage.
    Insurance companies are denying COVID-19-related insurance claims stating that viruses are excluded from the coverage. Your insurer may tell you that all coronavirus-related business interruption claims are not included in your coverage, but the actual coverage needs to be analyzed on a case-by-case basis based on the specific language in your policy.

    Discuss your right to compensation and how our firm can help you by calling (215) 960-9789 . Your consultation is free and private.

    What Do You Look for in Your Insurance Policy for COVID-19-Related Coverage?

    A thorough review of your policy is necessary to determine whether or not there is coverage under your insurance for COVID-19-related losses.  Our firm is here to serve your needs during this difficult time and give you a chance to keep your business alive.

    Contact Marciano & MacAvoy, P.C. today at (215) 960-9789 to see how we can assist you.

    Advocating For The Injured Since 1992

    Call (215) 960-9789 to learn how we can help you and your family.

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