What Is Business Interruption Insurance?

Business Interruption Insurance COVID-19

Millions of businesses across the United States have suffered interruptions and losses due to the COVID-19 pandemic. In many cases, owners are covered by business interruption insurance. However, this extraordinary time has made business interruption claims extraordinarily difficult to resolve.

Most business insurance policies protect owners from losses due to specific circumstances that are beyond their control, such as natural disasters and government shutdowns. This coverage is normally called “business interruption” or “civil authority.”

As you can imagine, insurance companies are being inundated with business interruption claims. Many are concerned with protecting profit rather than honoring their policies. As a result, they’re using deceptive strategies that make it difficult for business owners to receive money for legitimate claims.

Lerner and Rowe Business Claims can help you fight back against insurance companies. Our team of talented attorneys and dedicated legal professionals have the skills and experience to make sure that you get the money you deserve from your business interruption insurance.


Alan Garfinkel explains more about business interruption insurance coverage during an on-air interview. Listen now:


Why business interruption insurance claims are challenging

Business interruption and loss insurance typically covers payroll, taxes, loan payments, operating expenses, and a move to a temporary location, if necessary. This type of coverage is normally meant to protect owners from losses stemming from events beyond their control. Traditionally, this means an act of nature. Interruptions and losses caused by fires, earthquakes, hurricanes, and tornadoes are, unfortunately, fairly common.

Government shutdowns due to pandemics are uncommon. Some courts look for “direct physical loss” to determine the validity of a business interruption and loss claim. In cases caused by natural disasters, this is easy to determine. However, judges have been split on whether businesses suffer “direct physical loss” due to diseases.

The inconsistency of these judgements is a big reason why you need a business interruption attorney advocating on your behalf. The team at Lerner and Rowe Business Claims will examine every line of your insurance policy and record all the government actions specific to your business location in order to build you a solid case. We will make sure that your insurance company delivers on the financial protection you pay for every month.


Dealing with civil authority closures

Business Interruption Insurance -- COVID-19, Coronavirus

Your business insurance policy may include specific coverage for civil authority closures. This protects business from losses stemming from closures mandated by government authorities. Millions of American businesses in the majority of the United States have suffered such losses.

Unfortunately, many insurance companies are fighting back against civil authority claims. Part of this is due to the unscrupulous tactics many insurance companies use and part of it is due to the massive scale of business closures throughout the nation.

When you diligently pay for business insurance month after month, you rightfully expect your insurance company to honor the agreement you’ve paid for. Sadly, many business owners are not getting fair treatment from their insurance companies. Don’t let your insurance company deny you the money that you deserve. The attorneys at Lerner and Rowe Business Claims have decades of experience fighting — and winning — against insurance companies. Let us fight for your justice.

Let us examine your business interruption insurance

During this unprecedented time, Lerner and Rowe Business Claims is offering free reviews of business interruption insurance policies for companies that have closed due to COVID-19. Between insurance companies wrongfully denying claims and a heavy stream of misinformation on coronavirus closures, it’s vital to seek qualified assistance so that you can do what’s best for your business.

Our seasoned attorneys and legal professionals have a thorough understanding of business insurance policies. We understand the various interpretations of “direct physical loss” from state to state. Let us meticulously examine your insurance policy so that we can win your company the money it rightfully deserves.

Lerner and Rowe Business Claims is here for you

Lerner and Rowe empathizes with business that have suffered interruptions and losses due to the coronavirus outbreak. It is an unfortunate situation that has been calamitous for millions of companies throughout America. While the fallout of the disease isn’t anyone’s fault, we’re disturbed by insurance companies taking advantage of business owners. Please be assured that our team is here to advocate and fight on your behalf.

You can reach Lerner and Rowe Business Claims at 833-MY-CLAIM. Our representatives are available to speak with you 24 hours a day, 7 days a week. You can also reach us through the Internet via LiveChat and secure contact form. Contact us today so that we can resolve your business interruption claim!