Business Interruption Insurance Claims

Business Closed due to Covid-19

Business Interruption Claim Denials

Owning and operating a business is difficult in the best of times.  It takes long hours, hard work, and sacrifice to run your business successfully.  You’ve done everything you needed to succeed, and even planned for the unexpected by purchasing business interruption insurance to protect your business.  The Covid-19 global pandemic is one such unexpected event.

The novel coronavirus outbreak has closed the doors of countless businesses in California, leading to many businesses filing insurance claims for business interruption.  Insurance companies have reacted to the crisis by denying valid claims citing Covid-19.  If your business interruption claim has been denied or you believe that the insurance company is not providing you what they should, contact the Law Offices of Scott Warmuth.  We will help you get the insurance benefits you deserve.  We offer multilingual legal services in English, Mandarin, Cantonese, and Spanish. For a free consultation and case assessment, call us today at 888-517-9888. No recovery, no fee.

Do I Have Business Interruption Protection?

Business interruption insurance is not the same as the business liability insurance that is often required by a landlord.  It’s also not the same as commercial property insurance.  Business liability insurance protects business owners from things such as lawsuits from personal injuries that occur on your property or damage to your property.  Commercial property insurance protects business assets against theft and damages from natural disasters.  Instead, business interruption insurance would cover the potential loss of business, revenue, and profits associated with a natural disaster or mandated closure.

If your business has purchased business interruption coverage, you should be covered for coronavirus-related business closure.  However, even if you’ve never heard of the term ‘business interruption insurance’ before, you may still be covered if your company instead sought insurance through a Business Owner’s Policy (BOP).  BOPs typically include business liability insurance, commercial property insurance, and business interruption insurance.

You can determine if your business may be covered for coronavirus-related business loss by examining your insurance policy declarations.  Certain policy coverage may be applicable to forced or unforced closures due to Covid-19.

  • Business interruption
  • All risk
  • Business disruption
  • Civil authority
  • Contingent business interruption
  • Extra expense
  • Loss of ingress or egress
  • Open perils

Our law firm can answer any questions you may have about your insurance coverage and whether or not it applies to Covid-19 closures and business loss.

What is Covered Under Business Interruption Insurance?

Business interruption coverage and benefits may vary for every business.  That’s why it’s important to consult with a business insurance expert to help you determine if you’re receiving all of the benefits you are owed.  Depending on your insurance company and your policy details, you could be entitled to insurance payouts for:

  • Lost revenue
  • Relocation expenses
  • Wages for workers
  • Rent, lease, or loan payments
  • Extra expenses

Our dedicated business interruption claim professionals can help you determine if you are eligible for benefits and help you fight any insurance company denials.

Was Your Business Interruption Claim Denied?

Insurance companies do whatever is in their power to deny business interruption claims, including valid ones.  Every insurance company has an army of lawyers hoping to find any possible reason to prevent your company from collecting desperately needed funds.  Our business interruption attorneys will help you level the playing field.  If your insurance company refused to provide the benefits they promised, we will take them to court and demand they provide them.  Sometimes the mere threat of a lawsuit from a respected law firm will be enough to convince insurance companies to honor their obligations.

The Law Offices of Scott Warmuth has the resources and expertise necessary to fight insurance companies’ denials of valid business interruption claims.  We can evaluate your business owner’s policy and help you determine if your claim is valid.  Call us today at 888-517-9888 to receive a free legal consultation.


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