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Business Interruption Insurance Claims

Attorneys Fighting for Small and Large Business Owners Nationwide

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We Can Help Recover Your Losses

The COVID-19 pandemic has left a catastrophic impact on our economy, leaving many businesses to face both temporary and permanent closure. Owners operating in regions with “shelter in place” or “stay at home” orders may have been forced to shut down their businesses due to government mandate. Still others have been unable to pay for employee wages, loan payments, and other essential costs due to diminished revenue and foot traffic.

Whether you run a small or large business, you may be entitled to COVID-19 business interruption insurance coverage if you have been paying for a business insurance policy. While insurers have been aggressive about discouraging and denying coronavirus-related claims thus far, our attorneys at DiPasquale Moore can carefully review your insurance policy and advocate for your needs.

Contact DiPasquale Moore right away for a free consultation with our experienced insurance law attorneys. We can serve clients nationwide.

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why do clients continue to choose our firm?

  • We have a track record of success.
  • We are dedicated to professionalism and high-quality legal representation.
  • We offer each prospective client a free consultation.
  • Our attorneys have over 50 years of collective legal experience.
  • We work on a contingency fee basis, meaning you only pay if we win your case.
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Client Testimonials

Real Clients Share Their Experience Working With Us

  • "Mike is great got me my claim is a great amount of time... they were very nice through the whole process... Mike's got this... go for him!"

  • "Ryan and Theresa were great. I highly recommend this firm to everyone. They stayed on top of my case and always called me back. Again, highly recommended."

  • "I appreciate all of the hard work. Ryan and Theresa did a great job. It was much faster than i thought. Thank you so much for the help."

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Why Do I Need an Attorney to File an Insurance Claim?

Although you can file a COVID-19 business interruption insurance claim on your own, it’s difficult to navigate this process: Insurers are actively and categorically rejecting many COVID-19 claims right now. In fact, multiple insurers have already faced class action lawsuits from business owners who are struggling to make ends meet during the crisis. In some states, such as New York, Ohio, and Massachusetts, lawmakers have already passed legislation requiring insurers to cover COVID-19 business interruption claims, and other states may soon follow suit. Without such legislation, however, it may be nearly impossible to get the compensation you deserve.

About Our Firm

At DiPasquale Moore, we’re committed to helping small and large business owners file claims for their covered losses. As skilled negotiators with decades of experience navigating the insurance process, we know how to present a compelling argument to insurers – and even take the case to trial when needed. Our attorneys can happily represent business owners across the Nation.

  • MICHAEL DIPASQUALE

    Founding Partner

  • JASON MOORE

    Founding Partner

  • BLAINE DICKESON

    Trial Attorney

  • TODD LUCAS

    Trial Attorney

  • RYAN WATSON

    Trial Attorney

  • GARRETT TUCK

    Trial Attorney

Award-Winning Law Firm

Your Questions, Answered.

Below we have developed a resource that seeks to answer the questions that we're asked most often about business insurance claims.

  • What Does Business Interruption Insurance Cover?
    Also called “business income insurance,” business interruption insurance is part of many standard commercial insurance policies and it is designed to protect owners from property damage, theft, and other losses. This form of insurance covers your business for lost income and fixed costs in the event of a disaster – such as the devastating economic and health crisis caused by COVID-19. Your policy may include coverage for losses like lost profits for the time of the disaster, operating expenses (i.e. payroll, rent, and bills), or relocation costs if you are forced to do business elsewhere.
  • What Happens After I Submit My Claim?
    After you file a business interruption insurance claim, your insurance provider should respond to your claim in a timely manner and let you know that they are beginning the investigation process. From there, the insurer will ask for documentation to prove your losses. It is critical to make sure that you have all the necessary information in order here, which is why hiring an experienced attorney can help even during this early stage of the process. Within another set time period after receiving your claim documents, the insurance provider should issue a denial or approval. If the insurer denies your claim, you can choose to appeal or take legal action against the insurer, depending on your situation.
  • What Does Business Interruption Insurance Cover?
    Also called “business income insurance,” business interruption insurance is part of many standard commercial insurance policies and it is designed to protect owners from property damage, theft, and other losses. This form of insurance covers your business for lost income and fixed costs in the event of a disaster – such as the devastating economic and health crisis caused by COVID-19. Your policy may include coverage for losses like lost profits for the time of the disaster, operating expenses (i.e. payroll, rent, and bills), or relocation costs if you are forced to do business elsewhere.
  • What if My Policy Excludes Damage from Microorganisms?
    Business interruption insurance typically only extends to a pre-defined set of “covered perils” that can lead to economic loss. After the 2003 SARS outbreak, many insurance providers excluded damage from microorganisms – including bacteria and viruses – from the list of covered perils. However, even if your policy includes this kind of language, there may be other terms in your comprehensive policy that will make you eligible for COVID-19 coverage. It’s important to speak with a qualified and experienced attorney to see if this applies to your situation.

Understanding Your Business Interruption Insurance Coverage

When you pay for a commercial insurance policy, that policy most likely includes business interruption insurance, which accounts for losses sustained because of property damage or “covered perils,” such as floods or fires. Depending on your policy, this coverage could last for up to 12 months and pay for a wide range of different losses.

Some of the most common losses covered in business interruption insurance policies:

  • Loan and mortgage payments
  • Rent and leasing fees
  • Employee wages
  • Other fixed costs
  • Lost profits

While some of these policies have explicit language that excludes bacteria and viruses – such as the novel coronavirus or COVID-19 – that does not necessarily mean that you are not eligible for coverage. Many of these unfair exceptions originated with the SARS outbreak in 2003 and should not apply to business owners stricken by coronavirus-related economic losses.

Aside from business interruption, there are also other grounds for filing a claim right now. For example, if your policy also includes civil authority coverage, you may be able to file a claim on the basis that the government shut down your business. In another example, you may have contingent business interruption coverage, which allows you to file a claim for damage incurred by entities that your business depends on.

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