COVID-19  Coronavirus 

BUSINESS INTERRUPTION INSURANCE CLAIMS

COVID-19    CORONAVIRUS
BUSINESS INTERRUPTION
INSURANCE CLAIMS

"Covid is crushing small businesses.

That's bad news...."

                                                           - Wall Street Journal                                  

Small business in Pennsylvania has been decimated by Covid-19.

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CONTÁCTENOS PARA UNA EVALUACIÓN DE CASO GRATUITA .

Weeks without revenue have made it impossible to cover even modest expenses, especially those who were forced to close or remain closed under Governor Tom Wolf’s stay-at-home order. 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. 


Today, thousands of  so-called "non-essential" business owners are struggling to recover losses, and some of them are finding an additional roadblock where they thought they’d find help.

Most business insurance policies include coverage for lost earnings due to government shutdowns. This coverage is typically called “Business Interruption” and “Civil Authority” coverage. Insurance companies are denying business interruption claims, even though the state requirements represent nothing short of a costly business disruption.

 

If your business insurance company recently denied your business interruption insurance claim, then let us help. The attorneys at Daly & Clemente believe you deserve the coverage you paid for, and we’ll fight for you to get it.

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. To learn more about how our attorneys may be able to help, please fill out our no-cost case review form today.

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WHAT IS BUSINESS INTERRUPTION INSURANCE?

Los conductores en las carreteras alrededor de Filadelfia están distraídos en estos días. Los teléfonos celulares, los niños gritando, el tráfico, la construcción de carreteras, las fusiones repentinas y el mal tiempo son distracciones que definitivamente interfieren con su concentración en las carreteras alrededor del valle de Delaware.

 

A medida que más distracciones en el camino conducen a más accidentes, su necesidad de representación es mayor que nunca. Cuando se comunique con nuestros abogados de lesiones personales para obtener representación legal, obtendrá interacciones personalizadas y cara a cara con nuestros abogados. Si sufre lesiones graves en un accidente automovilístico o de camión, ¡nuestros abogados especializados en lesiones personales acudirán a usted!

 

PÓNGASE EN CONTACTO CON UNO DE NUESTROS ABOGADOS EXPERIMENTADOS HOY PARA DISCUTIR SU POTENCIAL ASUNTO LEGAL.

Are my losses covered?

THAT'S WHY YOU NEED OUR EXPERIENCED ATTORNEYS

Many small business owners are filing claims; unfortunately, many insurance companies are denying those claims.

In some cases, this is due to the definition of “damages.” Business interruption policies require the presence of clear physical damage (e.g., broken windows, fire and smoke damage, etc.) to validate the claim. However, business owners are quick to point out that even though the virus may not leave behind a visual trail of destruction, contaminated surfaces, inventory, HVAC systems, etc. represent a form of physical damage.

While viruses may not always have a clear place in business interruption policies, other perils are included in policy underwriting. Some policies, for instance, include civil authority ingress/egress clauses.

Under a civil authority clause, policyholders have a right to file a claim if they were forced to halt business operations due to government-issued orders that prevented an individual from entering or exiting a property.

 

A loss of business due to emergency city closures and curfews may be covered under this type of policy. As such, there may be legal grounds to pursue a claim should your business be shut down due to government orders, as is the case with so many Pennsylvania small businesses that were forced to close due to the ongoing COVID 19 crisis.

​Approved Business Interruption/Loss Insurance Claims typically cover the following: 

  • Lost revenue based on what you’d typically        make if your business remained operational.

  • Payroll for all employees

  • Mortgage and lease/rent payments for the business in question

  • Tax payments (monthly and quarterly)

  • Business loan payments that are due while     your business is closed

  • Relocation costs associated with a new location  or a temporary location

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Daly & Clemente, P.C.

t/a Daly & Clemente - Attorneys at Law

Main Office:                                      1288 Valley Forge Road, #72

                                                          Phoenixville, PA 19460

Montgomery County Office:            630 Freedom Business Center

                                                          Third Floor

                                                          King of Prussia, PA 19406

Phone:                                              (484) 393-5292

Fax:                                                   (484) 363-5959

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Los abogados de Daly & Clemente representan a clientes con respecto a lo siguiente: lesiones personales; accidentes automovilísticos; accidentes de bicicleta; accidentes de peatones; accidentes de motocicleta; accidentes de camiones; tragedias de tránsito masivo; lesiones laborales / compensación del trabajador; lesiones por resbalones y caídas; Negligencia médica; mala práctica de enfermería; negligencia hospitalaria; negligencia profesional; DUI DWI; posesión de drogas; delitos; defectos del producto; muerte injusta; formación y gobernanza de pequeñas empresas; fideicomisos de armas; y testamentos, fideicomisos, sucesiones y sucesiones.

 

Los abogados de Daly & Clemente representan a clientes en las siguientes jurisdicciones: Philadelphia; Center City; University City; Manayunk; North Philadelphia; South Philadelphia; West Philadelphia; Northern Liberties; Montgomery County; King of Prussia, Norristown; Pottstown; Limerick; Royersford; Lansdale; Willow Grove; Bridgeport; Collegeville; Blue Bell; Berks County; Reading, Wyomissing, West Reading, Exeter, Shillington, Pottstown, Birdsboro, Mt. Penn, Boyertown, Muhlenberg, Chester County; Phoenixville; West Chester; Valley Forge; Lionville; Exton; Chester Springs; Coatesville; Kimberton; Kennet Square; Coventry; Bucks County; Bensalem; Doylestown; Bristol; Levittown; Quakertown; Yardley; Perkasie; Langhorne; Warminster; Delaware County; Main Line; Wayne; Bryn Mawr; Radnor; Villanova; Boothwyn; Broomall; Chester; Drexel Hill; Newtown Square; Upper Darby Springfield; Lehigh County;  Allentown; Mechanicsburg; Macungie; Bethlehem; Emmaus; Alburtis; Lebanon County; Lebanon; Lancaster County; Lancaster; Ephrata; Intercourse; Quarryville; Lititz;   Schuylkill County; Pottsville;  Camden County; Camden; Cherry Hill; Gloucester City; Pennsauken; Vorhees; Merchantville; Bellmawr; Gloucester County; Gibbstown; Glassboro; Paulsboro; Westville; Woodbury; Mullica Hill; Swedesboro; Burlington County; Mount Laurel; Chesterfield; Washington Township; Cinnaminson; Burlington; Pemberton; Medford; Mercer County; Trenton; Princeton; Lawrence Township; Lawrenceville; East Windsor; Ewing; Hopewell; Pennington; Robbinsville;  Atlantic County; Atlantic City; Absecon; Brigantine; Egg Harbor; Folsom; Somers Point; Ventnor City; Cape May County; Avalon; Cape May; Dennis Township; Wildwood; Ocean City; Sea Isle City; Stone Harbor; Woodbine; Salem County; Alloway; Carney's Point; Penns Grove; Pennsville; Pittsgrove; Salem; Woodstown; Cumberland County; Bridgeton; Deerfield; Farfield; Hopewell; Maurice River; Millville; Vineland; and throughout Eastern Pennsylvania and New Jersey. 

 

 

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