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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

  • The light at the end of the tunnel was masked, but we found it!

    “I'm sending my heartfelt wishes to you and your team for a wonderful holiday. We celebrate Christmas this year with a lighter heart than past years - knowing how you made a difference for us and for so many others. The light at the end of the tunnel was masked, but we found it! And so, cheers to you and your incredible team. Have a wonderful and safe new year.”

    J.

  • We will never forget the good you have done and may you continue to earn gold stars.

    “More than your skilled expertise, uncompromising professionalism and breadth of experience, we have been immensely impressed with the sincerity, generosity and integrity with which you conducted our affairs, acted on our behalf and guided us through the sometimes confusing process. Throughout, we developed a great respect for all of you and it is our wish that both collectively and individually, you experience continued professional success and personal gratification in all that you pursue. We will never forget the good you have done and may you continue to earn gold stars.”

    Lalida C.

  • I am so grateful for all your efforts and I'm sure glad you were on my side fighting for me.

    “Dear Alan - I just wanted to send you a special note of thanks for all your hard work on behalf of me and my case. I am so grateful for all your efforts and I'm sure glad you were on my side fighting for me.”

    Tracy 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.

  • Your compassion for me and my situation is very much appreciated.

    “My thanks to you for pursuing my case with vigor. I don't know much about how these legal things are handled, but I could tell by your communications with me, making sure I was always informed, that you were on top of it all. Also, you were ALWAYS available to me to answer questions, and your compassion for me and my situation is very much appreciated. I have had limited exposure to the legal system and attorneys, but I have never been able to just call and talk to them, as I could with you. I always had to speak with someone in the office that couldn't really answer my questions.”

    D.B.