Business Interruption Insurance and COVID-19:
Protect Your Rights During Uncertain Times

Business Interruption Insurance

What is Business Interruption Insurance?

Business interruption insurance, also called business continuity insurance, is coverage that protects a business from income loss as a result of business interruption, suspension of operations, business "shut down," or disaster.

Unlike property insurance, business interruption insurance can cover the revenue that would have been earned if not for the circumstances that led to the interruption of business.

The COVID-19 pandemic has created exceedingly difficult circumstances for business owners. Business closures were ordered with little to no advance warning, causing dramatic—and sometimes total—losses.

Our team of business interruption insurance attorneys is here to help. We're available 24/7 to answer your questions about what options you have—and what your rights as a business owner are under the law.

Contact us right away if:

  • You have filed a business interruption claim;
  • You have had a business interruption claim denied;
  • You wonder whether or not a business interruption claim is something you should file.

You can call us 24/7 at 412-394-1000, start a chat, or fill out the form on this page.

Should You File a Business Interruption Claim for COVID-19 Losses?

Yes, you should file a business interruption claim for losses related to COVID-19. It's in your best interest to be proactive when attempting to protect your rights.

You should promptly review your insurance coverage to get an idea of what protection you might have. However, a qualified business interruption attorney can give you the most accurate information as to your potential rights. Edgar Snyder & Associates is available 24/7, and our legal consultations are free.

Review Your Business Insurance Policy

As you review your policy, keep an eye out for the following language and details. Again, always get in touch with an experienced attorney if you are unsure of what your policy covers.

  • Loss of business income incurred by an organization due to a slowdown or suspension of its operations at its premises under certain circumstances;
  • Suspension of operations due to a civil authority or order;
  • Coverage for additional costs in excess of normal operating expenses incurred in order to continue operations following a covered loss;
  • Rental income;
  • Some business, especially those in the restaurant and hospitality industries, may have coverage that relates to losses caused by viruses. Others may have event cancellation coverage; and
  • Civil Authority coverage

We know that insurance policies can be confusing. We're available 24/7 and can talk to you about your business interruption legal options.

Remember that as a business owner, you can take action and you have rights as a policyholder. We do not recommend waiting for—or assuming that—legislation will provide relief or a course of action for you or your business.

If you have any questions about business interruption coverage, or a business interruption claim, you can get in touch with us 24/7 at 412-394-1000, by filling out the form on this page, or by starting a chat.

Business Interruption

What Can You Do if Your Business Interruption Claim is Denied?

If your business interruption claim is denied, get in touch with a qualified business interruption attorney right away.

If you file a business interruption claim, your insurance company will likely deny the claim and tell you that pandemics aren't covered or that, for a variety of reasons, your claims do not meet the definition of "physical loss."

It's our job to review your policy and your insurer's response to make sure your insurance company hasn't wrongfully denied your claim.

Insurance exists to protect people—and businesses—when they need it most. Business continuity insurance is designed to offer security when a business suffers financial losses under certain circumstances.

If your business continuity claim was denied, our attorneys are here to help. We can answer your questions and work with you to figure out what your next steps should be.

What the insurance company says doesn't have to be the final answer.

If your claim was wrongfully denied, we will work to help make sure you receive the compensation you deserve.

Edgar Snyder & Associates is Here to Help Businesses Recover from COVID-19 Losses

We know that trying to interpret your insurance policy, especially among the wide sweeping effects of pandemic, can seem overwhelming.

Here are just a few of the circumstances in which we strongly recommend that business owners contact a qualified business interruption loss law firm:

  • Your insurance policy does not include a virus exclusion
  • Your business customers or employees have been directly exposed to COVID-19
  • Your business has been completely shut down due to governmental regulations or restrictions
  • Your business is highly limited during this period and requires a large restoration period

Keep in mind: This is just a sample. Each case is handled on an individual basis, so even if your exact situation isn't included, we strongly recommend that you contact an experienced attorney.

Our consultations are free and come with no strings attached.

Edgar Snyder & Associates is Dedicated to You

This is an incredibly stressful time, especially for business owners who are facing devastating financial losses.

Our job is to be here for you, to help you figure out what path you can take to move forward, and to remove some of the weight off your shoulders.

We're available 24/7 for free consultations by phone, chat, or form. You can contact us in whichever way is most convenient for you. Talking to us comes with no obligation to use our severcies, and you don't pay us anything unless and until we're succcessful on your behalf.