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Business Interruption

Did Business Suffer Financial Losses Due to COVID-19? You May Entitled to Compensation.

The COVID-19 pandemic has resulted in the disruption or complete shutdown of most businesses across the country. The effects of the coronavirus pandemic will be felt for a long time by individuals and business owners. If your business has suffered financial losses due to the impact of COVID-19, you might be eligible to be compensated by your Business Owner’s policy.

Normally, a Business Owner’s policy provides business interruption coverage when there has been a direct physical loss to the insured property. Additionally, a business policy provides coverage when the government denies access to your business due to a covered loss. Although insurance companies have signaled that they will be denying claims for business interruption related to the coronavirus pandemic, the attorneys at Cecere Santana intend to fight every one of these claims where there is coverage. Now is the time to identify whether your policy has business interruption coverage and what the extent of coverage is that can assist you in getting through this difficult time. The attorneys at Cecere Santana are prepared to review your policy and assist you with a free consultation. We can then help you in filing your claim.

Typically, there are four types of Business Interruption coverages associated with a Business Owners policy:

BUSINESS INCOME COVERAGE

Business income is net profit or loss before taxes and continuing normal operating expenses, including payroll. The amount of the payment you will receive is determined by previous sales volumes and expenses based on the business’ financial records.

EXTRA EXPENSE COVERAGE

Extra expenses are those above and beyond your normal monthly expenses that are spent to restore a business either at the original or a temporary location.

CONTINGENT BUSINESS INTERRUPTION COVERAGE

This coverage compensates you for any income you might have lost due to property loss or damage at a supplier’s or customer’s location.

CIVIL AUTHORITY COVERAGE

This coverage would pay for loss of income or extra expenses as a result of a government denying you access to your business due to a covered loss.

Many variables contribute to a smooth process in managing business interruption claims. Properly documenting the claim and having an effective legal team to guide you through the process is extremely important.

Our team at Cecere Santana has extensive experience handling insurance claims and will handle these claims on a contingency basis. This means that if you do not have a recovery, you do not owe us any money for our time and expense in handling the claim.

If it is necessary to file a lawsuit against the insurance company, the insurance company will oftentimes be responsible for most, if not all, of the costs and legal fees in bringing the claim.

Have an experienced insurance attorney review your policy and begin filing your claim immediately.

Call Cecere Santana, PA for a free review of your policy:
Broward: (954) 653-9969, Miami-Dade: (305) 259-7100 and Palm Beach: (561) 275-1010.

For more information on business policies regarding COVID-19 please visit: https://floridahealthcovid19.gov/businesses/

Toll Free: 800-753-5529
Fax: 954-653-9979

We serve the following localities: Broward County including Cooper City, Coral Springs, Davie, Fort Lauderdale, Hollywood, Miramar, Oakland Park, Pembroke Pines, Plantation, Sunrise, Tamarac, and Weston; Miami-Dade County including Homestead, Kendall, Miami, and Miami Lakes; Palm Beach County including Boca Raton, Lake Worth, Palm Beach, and West Palm Beach. View More