We're With You During This Time

COVID-19 Insurance Claims & Disputes

Finding Answers & Helping Clients Protect Their Interests

At M. Ross & Associates, LLC, we know that businesses across all sectors of the economy are taking a huge hit as state and federal governments try to keep up with the COVID-19 pandemic. Some employers have been forced to shut down offices and shift to working remotely from home, while others are making massive layoffs and cutting back on crucial expenses just to keep from going out of business.

Understandably, business owners throughout New Jersey are wondering if their insurance policies will cover losses related to COVID-19. However, because the terms of individual policies vary by insurance carrier, and because "standardized" terms of coverage can be changed by endorsement so that they are only available to certain policyholders or industries, it can be very difficult to determine if a particular type of claim will be covered.

Workers Compensation Insurance

Although most bodily injury claims filed by employees will be covered by the employer’s workers’ compensation policy, these policies generally don’t cover “ordinary diseases of life," which are diseases that the general public is also exposed to. However, if an employee can establish a direct causal connection to their workplace and the virus, then they might be exempt from this policy exception. Learn more about obligations facing business owners in light of COVID-19.

Business Interruption Insurance

Many businesses have business interruption insurance in addition to commercial property insurance. While a commercial property policy covers direct physical loss or damage to a property caused by events such as earthquakes, heavy winds, and fire, a business interruption policy typically requires a "direct physical loss or damage" to property at the insured premises to receive payment from the coverage. Owners of healthcare and hospitality businesses often carry policies that cover losses caused by communicable or infectious diseases, even if there aren’t any physical damages to the insured property. Our lawyers can review your business interruption insurance policy and your commercial coverage to determine if you are covered for losses caused by COVID-19.

Contingent Business Interruption Insurance

A contingent business interruption policy covers profits that are lost because a business supplier is no longer able to provide necessary supplies “due to a covered peril.” This type of insurance coverage may be more viable than business interruption insurance, because you may have an easier time demonstrating that a supplier is unable to deliver the items necessary to run your operation. However, you should still consult with a knowledgeable lawyer to review the actual terms of your policy and the circumstances of your claim to determine all of the coverage options available to you.

Let Us Find the Right Solutions to Your Legal Issues

The COVID-19 pandemic will continue to raise new and unique legal issues regarding insurance claims and disputes. The dedicated and skilled legal team at M. Ross & Associates, LLC is here to guide you through these uncertain times and use our extensive resources to represent your best interests. If your business has been impacted by COVID-19, then now is the time to speak to a reliable legal professional to discuss the terms of your insurance coverage and the protections available. Our firm is here to provide you with the answers you need

Do you have more questions about how your specific insurance policy can be utilized during the Coronavirus pandemic? Then give us a call at (201) 897-4942 to schedule your consultation with a lawyer at our law firm to discuss your situation.

Get Started

Fill out the form below to immediately get in touch with our team!
  • Please enter your first name.
  • Please enter your last name.
  • This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.