As the COVID-19 pandemic has progressed, many of our clients have had questions about the business interruption provisions of their insurance policies. Most (but not all) commercial property insurance policies include. With many insurance companies and brokers taking the blanket position that these policies do not provide coverage for losses resulting from the coronavirus, the COVID- 19 pandemic, or government orders in response thereto, each client should consider an independent review of its policy terms by its own attorney, rather than its broker. Every client who may have a business interruption claim should preserve its rights by giving notice of a claim to its insurance carrier, customarily through the client’s insurance broker, as soon as possible (with receipt confirmed by the carrier).
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