- Business Property Losses: Claims Disputes
- Work Injury & Workers' Compensation Lawyers
- Fire Damage Insurance Claim Lawyers
- Sinkhole Claims Disputes
- Tornado Damage Insurance Claim Lawyers
- Hurricane Insurance Claim Attorneys
- Quarry Blasting Lawsuit
- Life Insurance Claim Attorneys
- Accidental Death and Dismemberment Lawsuits
- Life Insurance Employment Benefits Attorneys
- Insurance Broker Malpractice
- Hail Damage Insurance Claim Lawyers
- Frozen Pipes Insurance Claim Lawyers
- Weight of Snow, Rain, and Ice Insurance Claim Lawyers
- Vandalism and Theft Damage Insurance Claim Lawyers
- Wind Damage Insurance Claim Lawyers
- Water Damage Insurance Claim Lawyers
- Adjacent Construction Damage Insurance Claim Lawyers
- Building Collapse Insurance Claim Attorneys
- Long-Term Disability Insurance
- Lightning Damage Insurance Claim Lawyers
- Signs Your Cast Iron Pipes Are Failing
- Hurricane Lawyer in Orlando, Florida (FL)
- Hurricane Lawyer in Jacksonville, Florida (FL)
- Hurricane Damage Attorney in Miami, Florida (FL)
- Hurricane Property Damage Attorneys
- Hurricane Insurance Cost
- Hurricane Insurance Claim Attorneys in Florida
- Hurricane Insurance Cost in Florida
- Hurricane Insurance Coverage
- Hurricane Travel Insurance Lawyers
- Hurricane Boat Insurance
- Hurricane Auto Insurance
- Hurricane Insurance Claim Attorneys in New York
- Hurricane Insurance Claim Attorneys in Georgia
- Hurricane Insurance Types
- Condo Owners Insurance Claims Attorneys
- Flood Damage Insurance Claim Lawyers
- Hurricane Insurance Claim Attorneys in Hawaii
- Hurricane Insurance Cost in Hawaii
- Hurricane Insurance Claim Attorneys in North Carolina
- Hurricane Insurance Cost in North Carolina
- When to File a Bad Faith Insurance Claim
- Should I File A Bad-Faith Lawsuit?
- Bad Faith Insurance Claim Lawyers
- Cast Iron Pipes FAQs
- Home Insurance Claim Attorneys
- Car Insurance Claims Disputes Lawyers
- Cast Iron Pipes Lawsuit
- Hurricane Insurance Cost in Florida
- Life Insurance Claim Attorneys
- Dram Shop Liability Lawyers
- Worst Hurricanes in U.S. History
- Best Lemon Lawyers Near Me
- What Is the Wildfire Personal Belonging Claims Process?
- What Is Bad Faith Insurance?
- How to Determine Bad Faith Insurance
- How to Find the Best Bad Faith Insurance Lawyer
- Where Can I Find More Information Regarding Accidental Death Compensation?
- How Can a Lawyer Help with the Forfeiture of Property Process?
- How to Appeal a Car Insurance Claim Decision
- What Should I Do if a Construction Company Damaged My Property?
- Can You Sue Your Landlord for an Electrical Fire?
- How Should I Handle a Denied RV Insurance Claim?
- How to Collect PIP Insurance
- How Much Does It Cost to Replace Cast Iron Pipes?
- Bad Faith Insurance: Do I Need a Lawyer?
- What You Should Know About the Proof of Loss Form
- What Should I Do if My Stolen Car Insurance Claim Is Denied?
- When Should I Get a Lawyer for My Home Property?
- Do I Need Home Property Damage Lawyers?
- What Does Your Insurance Do When Your Car Is Stolen?
- How to Recover Depreciation on Auto Insurance Claims
- What Should I Do if I'm Being Sued for a Personal Injury Car Accident?
- Does Home Insurance Cover Broken Pipes Under a Slab?
- Will Insurance Protect Me if My House Burns Down?
- How to Unclog Cast Iron Pipes
- Cast Iron Pipe Injuries: What You Should Know
- What Should I Do if I’m Injured in a Sinkhole?
- Where Can I Find the Best Sinkhole Injury Lawyers?
- What Should I Do if I Fall Into a Sinkhole?
- Will Liability Cover a Stolen Car?
- Where Do I Sign My Car Accident Settlement?
- Funeral Home Referrals
- Accounting Malpractice
Business Interruption & Loss of Business Insurance


Civil authorities across the country have ordered many businesses to close to the public, both large and small, and it’s having enormous consequences for millions of Americans.
Most business insurance policies include coverage for lost earnings due to government shutdowns. This coverage is typically called “Business Interruption” and “Civil Authority” coverage.
If you have a business interruption insurance policy and your insurance company is denying, delaying, or underpaying your claim, call us. Even if you think they are right, contact us to take a Second Look at your case, for free.
We’re Here For You
Morgan & Morgan Insurance Recovery Group is the largest and one of the most successful plaintiffs’ law firms in the nation. Morgan & Morgan Insurance Recovery Group represents policyholders nationwide against insurance companies — one of the many ways we hold insurance companies accountable.
Our firm has recovered over $9 billion on behalf of our clients. Over the last 30 years our policy holder attorneys have assisted 1000’s of clients make recoveries against their own insurance companies.
Please fill out our no charge case review form to find out how our business insurance claim dispute attorneys may be able to help you.
Let Us Take Another Look
At this difficult time, we offer a free, “no-risk” review of insurance policies for businesses that have been closed during the COVID-19 pandemic. It’s important to act as quickly as possible because so much misinformation and confusion surrounds these insurance claims.
The National Restaurant Association U.S. restaurants will lose $225 billion over the next several months due to coronavirus government closures. While social distancing measures and forced business closures may be important to preserve public health, there’s no doubt these strategies devastate businesses both large and small.
If you are a business owner, you may think turning to your insurance company for help starts the solution. Your commercial insurance policy should have business interruption coverage that insures you for losses like these. Business interruption coverage is a complicated area of insurance law, though, and understanding the language of your particular insurance policy will be the first step in the process
Even with business interruption coverage, owners face challenges getting the compensation you deserve after suffering losses. The most common challenge starts with policy language limiting this coverage to losses caused by “direct physical loss of or damage to property.” Insurance companies use this provision to argue that business closures related to the coronavirus did not suffer direct physical.
The Challenges of Business Loss Causes
Some courts also hold business losses caused by a threatened loss—from flood or fire, for example—are not physical losses. In some states, then, you may not have business interruption coverage for the coronavirus unless you can prove that your business was actually contaminated, and you were forced to close as a result. Adding to the difficulties: other courts decide that business losses caused by pandemics or even diseases like E. coli are direct losses and are covered under these policies.
Business owners should keep in mind, however, courts across the country have not settled upon a uniform rule for when insured property has suffered a "direct physical loss." Courts in a number of jurisdictions have determined contamination and other incidents rendering property uninhabitable or otherwise unfit for its intended use constitutes a "direct physical loss" sufficient to trigger business interruption coverage.
The determination of whether "physical loss" has occurred under your policy will therefore require a close examination of the particular facts and the particular policy of your case
Since the 2003 SARS outbreak, some insurance policies also explicitly exclude damages caused by a virus or bacteria. A standard insurance clause excludes payment “for loss or damage caused by or resulting from a virus, bacterium, or another microorganism that induces or is capable of inducing physical distress, illness or disease.” But, these other policies, however, only exclude coverage for losses caused by bacteria --- and not viruses like the coronavirus. These language nuances heighten the need to speak with an attorney who can carefully review your policy.
Civil Authority Closures
Your insurance policy may also have “civil authority” coverage—a special coverage for lost business income when your business is closed by order of a government entity. Many court decisions make a strong case civil authority coverage will cover business losses caused by government-ordered business closures due to the coronavirus crisis, since the current closures are directed at the specific businesses.
U.S. businesses suffer staggering losses caused by the coronavirus. Insurance companies will try every excuse to avoid covering these losses. Business expect protection when they purchase business income insurance coverage. Businesses pay year after year for protection if they are unable to continue normal operations. These businesses deserve advocates with the skill and resources to fight for their rights. These businesses deserve advocates with the skill and resources to make sure insurance companies hold up their end of the bargain.
If your business sustained losses caused by the coronavirus pandemic and you have questions about your rights or coverage please fill out our no charge case review form to see how we can help you.
Client Testimonial Videos
Free Business Interruption & Loss of Business Insurance Case Review
Share your experience and we will call you
or Call Now