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Covid-19 Business Interruption Claim Attorneys

Covid 19 Business Interruption Claim Lawyers

The Covid-19 business interruption lawyers of Bisnar Chase are here to help those companies which have been left reeling by the coronavirus and are struggling to secure insurance payouts.

A huge number of businesses have been hit hard by the Covid-19 pandemic. This vicious virus has spread at an unprecedented rate, killing tens of thousands of Americans and putting extreme strain on our hospitals and resources.

But the serious measures taken to halt the outbreak have also had a crippling effect on businesses. Some have been forced to close locations and lay off staff, while others have had to close down completely.

In many cases, insurance companies have been denying business interruption insurance claims caused by Covid-19. If you are struggling to secure business interruption compensation, contact our attorneys for expert guidance and a free no-obligation consultation now. We can help.

What is Business Interruption Insurance?

Business interruption insurance is a form of protection that can be added to a company’s existing insurance policy. It is designed to protect businesses against the disruption caused by a disaster that affects operations.

Examples of typical business interruption coverage claims might include a fire or natural disaster. But recent events have seen a huge number of insurance claims by businesses shut down due to the Covid-19 virus.

Most business interruption insurance will provide coverage for:

  • Profits (based on past performances)
  • Fixed costs (operational expenses, rent, etc.)
  • Employee wages
  • Payments toward loans
  • Temporary location if required
  • Other

The insurance policy will likely specify a monetary value limit, and will only apply to cases in which the business has suffered financial losses as a result of an interruption.

This form of insurance can enable a business to remain secure, even when operations are disrupted.

All insurance policies carry some variety. Different carriers might use different wording, while customers will have a range of business interruption coverage options. The types of protection include business income insurance and civil authority coverage.

No matter what form of policy your business has, you should consult with a Covid-19 insurance claim attorney to make sure your insurers are acting in good faith, within the parameters of your contract.

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Does Business Interruption Insurance Apply to Covid-19 Claims?

Most insurance companies have not been paying out on Covid-19 business interruption claims. In many cases, the insurance industry is claiming that a pandemic does not fulfill the criteria for disruption compensation.

However, the Covid-19 business interruption claim lawyers at Bisnar Chase strongly oppose this view. We believe that many policies do apply to the current pandemic, and are ready to fight for clients to make sure they are compensated properly.

A visualization of the Covid-19 virus particles.

Some business interruption coverage policies require the presence of damage to insured property, such as equipment or a base of operations. But it has already been argued in some Covid-19 insurance claim cases that the potential presence of a highly infectious and deadly virus on workplace surfaces could constitute a form of damage that renders a building and equipment unusable.

The Covid-19 virus can live on surfaces, such as desks and door handles, and can be transmitted by people coming into contact with the virus.

In addition, many companies operating from commercial locations have language in their business interruption insurance policies allowing for compensation if they have been forced to close by a civil authority.

In many cases, government guidelines have forced businesses to close, or limit their operations. While this is an important step in slowing the spread of the virus, it has also put those businesses at risk. This could form the basis of a lawsuit against any insurance company denying a claim.

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Can You Sue Your Insurance Company Over a Covid-19 Claim?

At Bisnar Chase, we believe that there is plenty of scope to file a Covid-19 business interruption lawsuit if a claim is denied.

The wording of many insurance policies is vague. As we have shown above, most policies are open to an interpretation that should allow for Covid-19 compensation.

A 3D rendering of the Covid-19 virus, which attacks the human body's immune system.

We all know that insurance firms will often try to lowball claimants. They are loyal to their bottom line, and their job is to pay out as little as possible. This is true of car accident claims, slip-and-fall claims – and now Covid-19 business interruption claims.

But, by denying these claims and refusing to cover losses from companies with valid insurance coverage, we believe insurance firms are dealing in bad faith.

At Bisnar Chase we believe in supporting business owners during this tough time. No company should be driven out of business by such unpredictable circumstances beyond their control. We will fight for your rights to ensure that your business is protected.

Contact our Covid-19 business interruption claim lawyers now for guidance from a team of experienced legal professionals.

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What to do If Your Covid-19 Claim Has Been Denied

If your Covid-19 insurance claim has been denied, you might be able to take legal action. Follow the steps below to secure expert legal help and get your case moving as quickly as possible.

➤    Ensure that your case is eligible, using our criteria below.
➤    Gather evidence which a lawyer can use to help build your compensation case.
➤    Contact the Covid-19 insurance claim lawyers of Bisnar Chase.

We know that a huge range of businesses have been impacted by the coronavirus outbreak. At Bisnar Chase, we are able to take on your case if:

  • Your business has been established for at least 12 months
  • Your business has an average annual revenue of at least $200,000
  • You have valid business interruption insurance covering your operation
  • Your business has been closed to the public due to the Covid-19 governmental order
  • A claim has been made and denied by the insurance company

When contacting our Covid-19 business interruption claim attorneys, you should provide us with the name of your insurance company and policy.

You may also start assembling evidence, such as:

  • A copy of your policy
  • The governmental order impacting your business
  • Proof of impacted finances (books, receipts, projections)
  • Notice of commercial building closure
  • Correspondence with an insurance company regarding a claim

Do not worry if you are not sure what you will need. Our team is compassionate and helpful and will walk you through every step of the process.

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Current Covid-19 Business Interruption Lawsuits

A series of lawsuits have already been filed against insurance companies that have rejected coverage claims filed due to the coronavirus pandemic.

➤    Badger Crossing Pub & Eatery, a Wisconsin-based restaurant, has filed a lawsuit against its policy provider. Owners of the eatery claim their insurance company is violating its policy contract, and want compensation for business losses caused by the closure orders issued by the state governor.

➤    A class action lawsuit has been launched by a group of plaintiffs against six different insurance companies over business interruption losses. The group of filers includes a range of businesses, from pubs and bars to restaurants, a bakery, and a dental practice. They are demanding compensation from their insurance companies after their claims were denied.

Several businesses have already taken action. Contact a Covid-19 insurance claim lawyer at Bisnar Chase now to file a lawsuit and keep your insurance company to their word.

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Covid-19 Business Interruption Insurance FAQs

Insurance policies can be confusing at the best of times. In the case of Covid-19 business interruption policies, arguments are taking place over broad and non-specific policy language.

If you have questions, you have come to the right place. Some of the most frequently asked questions are below. If your query is not answered, do not hesitate to contact the Bisnar Chase team today.

Bisnar Chase is taking on cases in which a business owner has made a claim that has been rejected by their insurance company. This means that you will probably have spoken to the insurance company first. After a claim has been denied, an attorney should be your next call. Consult with a Covid-19 business interruption claims lawyer before going back to the insurance company.

Some insurance policies have virus exclusion language, denying claims in which a business has been disrupted by a virus. However, you may still have a case. In the case of the Covid-19 pandemic, an argument could be made that businesses have been hit by the governmental orders. Our lawyers will form the strongest case possible for you.

Bisnar Chase works on contingency. This means that most expenses are advanced to relieve the financial pressure on clients. You will not have to pay anything unless we win your case. This is especially important in the current climate.

Yes, we are taking on nationwide Covid-19 business interruption claim cases. If you run a company in the U.S. which needs help in fighting for the insurance compensation owed through your policy, we can help. Call (800) 561-4887 or visit now.

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The Impact of the Coronavirus

Covid-19 has taken a great toll, both in terms of human lives and the quality of life for a huge number of people.

A graphic showing the six foot social distancing regulations designed to stop the spread of Covid-19.

Schools have been closed, sports have been canceled, countries have been closed to international travel. Beyond that, restaurants have closed their doors, and only essential services have been able to remain open, as residents are told to shelter within their homes and observe social distancing.

These measures are considered to be an important step in flattening the curve and halting the spread of the virus. However, they also have a drastic effect on long-standing businesses which have suddenly lost the ability to work at their offices and make their usual revenue.

Government orders have forced many businesses to close temporarily in a bid to enforce social distancing. While some essential services have been allowed to stay open, even those businesses have been impacted.

For example, dry cleaners have lost a huge portion of business, with most people working from home. Other stores have had to massively lower their customer capacities, or introduce a ‘one in, one out’ policy.

The list of industries affected by the Covid-19 crisis is extensive. It includes:

  • Construction
  • Movie theaters
  • Dental practices
  • Elective medical facilities
  • Retail
  • Travel
  • Restaurants
  • Garages and auto parts
  • Sports
  • Film production
  • Hotels and hospitality

At Bisnar Chase, we believe in helping businesses to ensure that they survive beyond this temporary crisis.

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Current Business Interruption Insurance Claim Laws

The subject of Covid-19 business interruption insurance claims is brand new. It was not an issue until the pandemic hit, and as such the understanding of the law is still emerging.

In some areas, moves have been made to make it easier for businesses to make Covid-19 claims through their policies. Lawmakers in Washington D.C. have discussed a bill which would include a clause allowing companies to secure compensation through their business interruption coverage.

Unsurprisingly, these moves have been fiercely opposed by insurance companies. The insurance industry claims that it could be bankrupted if it is forced to pay out on Covid-19 claims.

But that is not a good reason to turn down a claim. Business interruption insurance is vital for a well-prepared operation, for exactly this reason. It protects against the unexpected. Companies that pay their premiums should be able to rely on their policies when disaster strikes.

Contact the coronavirus insurance claim lawyers of Bisnar Chase for help in fighting for fair compensation now.

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Taking on the Insurance Companies

Bisnar Chase is extremely experienced when it comes to taking on insurance companies and winning. We have handled countless cases, from car accidents to premises liability, involving an insurance firm making a lowball offer – or refusing to pay out entirely.

It is the job of an insurance agent to pay out as little as possible. Insurance companies often have vast legal teams in place to help them protect their bottom line. This is why it is important to hire an experienced lawyer to handle your side of the case.

Our attorneys are excellent negotiators and consistently secure fair settlement offers for their clients. But they are also fearless trial lawyers who will not back down from a courtroom challenge. Make sure you have the best in your corner when you take on an insurance company and its legal team.

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Hiring the Right Business Interruption Claim Lawyer

Bisnar Chase is a top-rated law firm with a team of outstanding attorneys ready to win your case.

While some law firms focus only on out-of-court settlements, our team is filled with effective trial attorneys who have plenty of courtroom experience. They are dedicated, compassionate, and skilled, providing a strong attorney/client relationship and unparalleled legal guidance.

The proof is there for all to see; Bisnar Chase has been in business for more than 40 years and has a 99% success rate. Over the years we have helped more than 12,000 clients, winning compensatory payouts totalling more than $650 million for them.

We believe in supporting our community and making sure justice is done. With so many people struggling during this Covid-19 crisis, it is important to us that we help to safeguard jobs and support businesses, allowing them to thrive again when the pandemic has passed.

Contact the Covid-19 business interruption claim lawyers of Bisnar Chase now for help in fighting for the compensation you are entitled to from your insurance company. Call (800) 561-4887 or click here to email us and arrange a free consultation.

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Bisnar Chase Personal Injury Attorneys
Brian Chase and John Bisnar 1301 Dove St., #120
Newport Beach, CA 92660

(949) 203-3814

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