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California Business Interruption Claims

Kantor & Kantor, LLP Supports Your Business

Has the coronavirus/COVID-19 pandemic forced your business to shut its doors to the public due to a civil authority order? If you have business interruption insurance, which most small business owners do, then you might be able to use it to get financial support during this unprecedented time.

To give your business interruption claim strength after it is wrongfully denied, let Kantor & Kantor, LLP provide legal counsel, guidance, and representation if need be. We have focused on our practice on representing clients whose insurance companies have refused to pay legitimate claims, including highly complex business interruption claims. Insurance companies love to find any reason to deny, delay, or undervalue the claims filed by their loyal customers. Luckily for our clients, we love to challenge them head-on, in and out of court.

Protect your business’s future. Call (877) 783-8686 for help with your business interruption claim.

What Does Business Interruption Insurance Cover?

Many commercial insurance policies offer business interruption coverage for situations where businesses are forced to shut down or dramatically decrease production. The typical language of that coverage states that it is provided for “physical loss or damage” to the building. It also usually includes “civil authority” shutdowns for “physical loss or damage” to other areas. Insurers have pushed to interpret that language as meaning “structural” damage. But many courts have disagreed, and have held that “physical loss” includes bacterial contamination, contamination from pollution, air quality issues, and other non-structural issues.

Recognizing that paying out all of the business interruption claims will be costly, insurance companies are aggressively arguing that viruses are not a covered basis for a claim. But that issue has not been decided by the courts. Some insurance companies are even denying claims where the businesses expressly obtained virus coverage in their policies, demonstrating that the real goal for the insurance companies is to deny the claims and avoid paying the benefits that businesses are owed after dutifully paying their premiums.

Coverage provided through business interruption insurance can help pay for:

  • Operating expenses: Miscellaneous operating expenses can be significant for even small businesses. Rent is often considered an operating expense. Business interruption insurance can help cover these costs to keep a business afloat while selling its products or services becomes impossible.
  • Temporary relocation costs: You might be able to continue running your business to some extent by relocating to a second location. For example, if you normally work from a shared commercial office that has been closed to quarantine, then you could set up a temporary office in your own home. The money you spend to set up a secondary business location can be covered by your insurance policy.
  • Employee payroll: To the benefit of your employees, your business interruption insurance can provide weeks of payroll while your employees cannot come to work and earn a living. It is important to keep in mind that the outcome of your claim not only affects you but also all the people depending on your business to keep running.
  • Tax payments: Even during the coronavirus pandemic, the federal government expects regular tax payments from individuals and businesses alike. If you are worried that you will not be able to pay your taxes due to business interruption, then you should consider filing your claim soon.
  • Loan installments: There are business interruption insurance policies that provide for regular loan payments. Using this insurance, you can prevent accruing interest on your loans, but only if your insurer accepts your claim.

We’re Ready to Fight for Your Business

Kantor & Kantor, LLP is known throughout California for taking on major insurance companies on behalf of claimants in need. If your business is struggling due to the coronavirus or another natural disaster, and your insurance company has rejected your claim, please call our business interruption claim attorneys at (877) 783-8686 as soon as you can. We have focused the heart of our law firm on challenging insurance claim denials. Using our extensive legal experience and strong reputation with insurance industry giants, we can confidently represent your case in an initial trial or appellate case.

There are no out-of-pocket costs to retain our services and no attorney fees if we do not win your case. Contact us right now to learn more.

Many commercial insurance policies offer business interruption coverage for situations where businesses are forced to shut down or dramatically decrease production. The typical language of that coverage states that it is provided for “physical loss or damage” to the building. It also usually includes “civil authority” shutdowns for “physical loss or damage” to other areas. Insurers have pushed to interpret that language as meaning “structural” damage. But many courts have disagreed, and have held that “physical loss” includes bacterial contamination, contamination from pollution, air quality issues, and other non-structural issues.

Recognizing that paying out all of the business interruption claims will be costly, insurance companies are aggressively arguing that viruses are not a covered basis for a claim. But that issue has not been decided by the courts. Some insurance companies are even denying claims where the businesses expressly obtained virus coverage in their policies, demonstrating that the real goal for the insurance companies is to deny the claims and avoid paying the benefits that businesses are owed after dutifully paying their premiums.

What Sets Us Apart?

  • Free Case Consultations Provided
  • 160+ Years' Collective Experience
  • Thousands Of Cases Successfully Handled
  • You Don't Pay Us Unless We Recover Your Claim
  • Selected For Inclusion In The List Of Super Lawyers®

Client Testimonials

  • First of all, I want to express my extreme gratitude for probably saving my daughter's life.

    “First of all, I want to express my extreme gratitude for probably saving my daughter's life. By staying in treatment, the improvement is remarkable. She had been in eating disorder facilities many times, and treatment had been interrupted repeatedly by Anthem Blue Cross's denying benefits. Many of the health professionals were telling me that maybe my daughter was a hopeless case. You both gave me hope. She is still struggling with some residual issues around eating, but the change in her attitude, her ability to assess her own recovery, and her wish to live instead of to die, is evident in her life. Now she is back in school, after years of having her education disrupted by the eating disorder. She goes places with friends, and even goes out to restaurants for fun! This year marked the first holiday season for many years, when she had not been in a treatment facility. Other people gave up and you didn't. I can't thank you enough. You took the action that was necessary to keep my daughter in treatment long enough for it to work.”

    Anonymous

  • Thank you for all of your hard work, support and belief in our case.

    “Hi Elizabeth - You have been such an important part of my and Jennifer's past year, and I want to send you a note to wish you a wonderful holiday. Thank you for all of your hard work, support and belief in our case. Thank you seems like two small words and not enough, but they are heartfelt and mean so much.”

    J.H.

  • I won the appeal.

    “Hi Glenn- This is a very belated thank you for your generous assistance and advice last summer, when I was appealing UBH's decision for my son. I won the appeal, at least for care at the partial hospitalization level (they wouldn't budge on residential, but the facility was accepting the partial care reimbursement for residential treatment). But the appeal was a great moral victory, and I think it's a great thing to have in the record, just in case he needs to go for treatment again. Thanks again for your generous help, I was very grateful for it. Wishing you a most happy Thanksgiving.”

    Terry S.

  • There are no words that can express the feelings of gratitude and relief I have that you helped us.

    “I wanted to thank you again for all of your help. My daughter would not be in treatment without your help. I can never thank you enough, there are no words that can express the feelings of gratitude and relief I have that you helped us, and I believe saved my little girl. Taking her back to Timberline Knolls was very difficult in many ways, I wish UBH could know the damage they have done to her by having her go in and out like this. When she went into Timberline Knolls the first time she was not happy to go exactly, no one wants to go into treatment, but she was open to going in and ready, for the first time, to really look at her issues and work hard to get better. When she had to leave Timberline she expressed that she wished she could have stayed because she felt like she was finally at a place where she was getting better and, though it was hard, she was really opening up and dealing with her issues for the first time, something she has had a hard time doing. I just wanted you to know that she was going down to a really bad place and without you I don't know what would have happened except that she would not be at Timberline Knolls right now getting better and I thought you should know this. With unending gratitude.”

    R.

  • You've helped to remove a great burden from our lives. It's nice to know there are decent people still in the world.

    “Thank you for your kind efforts. You've helped to remove a great burden from our lives. It's nice to know there are decent people still in the world.”

    B.