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Is Your Business Insured for COVID-19 Losses?

May 22, 2020

IS YOUR BUSINESS INSURED FOR COVID-19 LOSSES?

Attention Business Owners:

Due to COVID-19 related “business interruptions,” now is the time to review your insurance policies for potential coverage. You should obtain an inventory of insurance coverage that protects you during these difficult times. Contact your insurance agent/broker and ask for a copy of your insurance policies, declaration pages, endorsements, exclusions, etc., that cover your business. There may be insurance coverage specifically for business interruptions. There are exclusions that may apply that will need to be evaluated.   At least one state, New Jersey, has actually legislated that insurance companies may not rely upon an exclusion for “virus” to prohibit business interruption coverage.  We are monitoring developments in relation to these coverage issues and assisting business clients with coverage related issues.  If you have questions or need assistance on COVID related insurance coverage issues, contact SBEMP attorney Bruce Bauer at (760)322-2275.    

Bruce Bauer

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