Attorney Dennis Beaver has practiced law for many years in Bakersfield, California. Read more about Dennis and his background here. Dennis is a syndicated newspaper columnist and writes a weekly column entitled “You and the Law”. There have been numerous requests over the years to make these articles available and we are happy to offer them here. They are also indexed for your convenience.
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April 3, 2020 • By Dennis Beaver
When disaster strikes, we first worry about health and safety. Then concerns of financial loss and damage come to mind.
Many commercial insurance policies contain clauses that protect a business in the event of a disaster–including biological, such as the coronavirus–which has led to governmental intervention, shuttering companies across America. Typically, these policies provide coverage on an “all risk” basis. That means all risks of loss and damage are covered unless explicitly, expressly, and unambiguously excluded.
For example, expense incurred to decontaminate and protect your premises should be covered. Losses from the interruption of your business due to government mandated closures in this viral pandemic may be covered. However, some insurance companies are instructing their claims adjusters to use obscure contract interpretations and deny certain business interruption claims which are indeed covered.
Readers who have business interruption insurance need to know how to protect themselves, and how to respond to a possible denial of coverage by a claims adjuster.
If this happens to you, here is an insight into what you need to know about Business Interruption insurance coverage and claims from two attorneys specializing in insurance bad faith, Chicago attorney Michael Childress, and Brian S. Kabateck from Los Angeles. They have a combined total of 70 years of experience handling insurance bad faith cases…click here to read more