COVID-19 Insurance Claims & Disputes

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.

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