COVID-19 and Your Insurance Policy
April 2, 2020
Does your commercial property insurance or business income insurance policy provide coverage for COVID- 19 losses?
Well, the easy answer is “it never hurts to ask.”
Here are some questions that you might think about before asking......
Do you have a loss of business income?
Is your business property uninhabitable or unfit for use?
Is the COVID-19 virus likely at your insured location?
Is your business closed because of a government mandate?
Does your policy specifically exclude losses caused by a virus?
Does your policy specifically exclude losses due to a government mandated closure?
Is your policy ambiguous?
If you believe you have a covered claim for property or business income loss due to the COVID-19 virus, ask your insurance agent to file a claim with your insurance company.
If you are not satisfied with the answer contact Attorney Timothy Hawley. He will need your denial letter and a certified copy of your insurance policy to discuss your options. You may be glad you asked.
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