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TorHoerman Law Business Interruption Insurance Claim Assistance Webinar
TorHoerman Law will be hosting a free business interruption insurance webinar on Thursday, April 23rd at 11:00 am CST. The agenda will include business interruption information, claim assistance, and information regarding legal options for business owners facing business interruption claim denials.
If you are a business owner who has faced economic loss as a result of the COVID-19 government-mandated shutdowns, you are invited to attend this free Webinar.
Please contact Jackie Dunnavant at email@example.com for a link to the Webinar.
Please include your full name, email address, the name of your business, and the location of your business.
For all other questions and inquiries, contact Jordan Terry at firstname.lastname@example.org
Business owners currently impacted by the economic effects of non-essential business shutdown requirements may be entitled to coverage of losses, depending on the business’s insurance policy. If you own a business that has been affected by COVID-19, you should review your business insurance policy to determine whether your policy includes business interruption insurance (BII) coverage. If your policy does include BII, the next step is to file a claim for losses. If you are unsure whether you have (BII), or you are having trouble making a claim, TorHoerman Law is offering free business interruption insurance claim assistance to help business owners get started with their BII claim.
For more information about business interruption insurance, visit our business interruption insurance page.
There are 2 ways that you can determine whether you have BII coverage.
Even if your policy explicitly excludes coverage for losses resulting from a pandemic, you may still be eligible to pursue legal action in order to receive coverage for the losses your business incurred as a result of the mandated shutdowns. After reviewing your policy and determining that you do, in fact, have BII coverage, contact a business interruption lawyer if your policy excludes pandemic coverage.
After determining whether your business insurance policy includes BII coverage, your next step is to file a BII claim.
You should always file a claim, regardless of whether your policy excludes pandemic coverage.
The first step to filing a BII claim is to notify your insurance provider of your intent to file a claim right away. Even if your adjuster says that your BII does not include pandemic coverage, you should still inform the adjuster of your intent to file a claim. If your adjuster denies this request for any reason, contact a business interruption lawyer right away.
After filing your BII claim, you need to begin calculating the total losses that your business incurred as a result of the shutdown. This can include, but is not limited to:
Use prior expense reports, lease agreements, contracts, utility bills, invoices and other financial reports to calculate your expected costs and losses.
You will need to begin to assemble records of these documents to submit with your claim, in order to prove your current and expected losses.
If your BII claim is denied by your insurance provider, you need to contact a business interruption law firm right away to discuss your legal option.
At this time, many insurance providers are denying all BII claims related to COVID-19. As a result, businesses are beginning to file BII lawsuits nationwide. Legal action may be the only option for your business to recover the coverage that your business insurance policy guaranteed you.
Whether you need assistance reviewing your policy, filing your BII claim, or representation for a claim denial, TorHoerman Law is available to help you through the process.
TorHoerman Law is offering business interruption insurance claim assistance to all business owners who are facing economic loss as a result of government-mandated shutdowns.
Our business interruption insurance claim assistance services include:
As a local law firm and a small business ourselves, we understand the difficulty that business owners face in these tremendous burdens in these otherwise difficult times. That is why we want to help. Let TorHoerman Law navigate the legal course of this process, so you can focus on your business.
Contact TorHoerman Law today for all business interruption insurance claim assistance inquiries and legal representation.
Download the following PDFs or Microsoft Word Document to use as a draft of a business interruption insurance claim:
BII Claim Form (PDF)
BII Claim Form (Download Microsoft Word Doc)
Last Modified: April 30th, 2020 @ 09:22 am
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The contents of this webpage have been prepared by TorHoerman Law, LLC for informational purposes only. None of this information is intended as either legal or medical advice or opinions. No attorney/client relationship is established with use of this website. Sending or receiving information through this site, posting to our blogs/news site does not establish an attorney/client relationship. An attorney/client relationship with TorHoerman Law is established only by an express and written agreement by TorHoerman Law to represent you. Our attorneys make a case-by-case assessment of any claims and results may vary depending on the facts concerning any case. The attorneys at TorHoerman Law are licensed to practice in Illinois, Missouri, and California. In some circumstances, cases may be sent to other qualified lawyers. In those circumstances, TorHoerman Law maintains joint responsibility.