Filing a Business Interruption Claim for the COVID-19 Epidemic

In just one month, an owner of five video poker truck stops went from having a profitable business to losing between $150,000 and $200,000. That’s the sort of damage the coronavirus (COVID-19) has done to businesses of all kinds, both in our local communities and nationwide. Declarations of emergency, self-isolation, quarantine, and bans on even small gatherings have effectively ground the economy to a halt.

With little relief in sight, all business owners can do is to turn to their business interruption insurance and hope they have coverage. However, success is not guaranteed. After all, this is an unprecedented problem, one that Pennsylvania state courts have yet to rule on. There are no sure answers yet.

Fortunately, court cases in New Jersey and Louisiana have indicated that businesses may be able to successfully seek financial compensation under their business interruption policies for losses due to coronavirus and COVID-19. Though business interruption insurance usually only covers physical damage, some courts have ruled in favor of broadening the definition of “physical losses or damages.”

Regardless of what you’re facing or where you are, you do have the ability to file a claim under your business interruption policy, especially if it’s an “all-risk” policy. All risk policies essentially cover all causes of loss or damage that aren’t excluded by the policy, and most policies likely don’t exclude “global pandemic” as a risk.

Ensuring Your Insurance Provider Treats You Fairly

Even if your business insurance policy should cover your losses, there’s no guarantee your insurer will honor it. To compel the insurance company to honor your claim, you’ll need an attorney. Business interruption lawyers have experience fighting insurers and getting their clients the maximum compensation they deserve under their policy. If you want to give your claim the best possible chance of success, call HHR today.

At Handler, Henning & Rosenberg LLC, we’ve been advocating for the wronged since 1922. We’ve won countless cases against large insurers, getting tens of millions in verdicts and settlements for our clients. If your business was harmed or damaged as a result of COVID-19 or its associated consequences, speak with us as soon as possible. We can discuss your policy and legal options to build a strong case in your favor.

Call (888) 498-3023 today for a free consultation. Even during the pandemic, our law firm is working as hard as ever to get our clients the financial relief they need.


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