Indiana Business Owner Files His Very First Claim in 19 Years for COVID-19 Losses and is Told it Won’t be Paid

After being in business for over 19 years, John Sohn, owner of Kaysan’s 5th Down Bar in Fort Wayne, Indiana filed his very insurance claim after suffering losses caused by the COVID-19 pandemic. Sohn filed the claim after the government ordered him to shut down operations, leaving him with a significant amount of food and drink that would soon spoil. Although Sohn only filed a claim for what he had to throw out, his insurer turned around and denied it.

According to Society Insurance, the company in which Sohn is insured by, pandemics are not covered. The only way the business owner would be able to recover any sort of relief for his losses is if his property suffered physical damage as a result of a disaster such as a fire or storm. Fox 55 Fort Wayne caught up with Sohn and this is what he had to say regarding his denied business interruption claim:

Physical in nature [is covered] but not a pandemic. We have insurance to cover business interruption and they do everything they can not to pay you. I don’t think it’s fair and I don’t know why we have to have insurance if they’re never going to pay.”

Unfortunately, Sohn isn’t the only business owner in Indiana and in neighboring states that have had their business interruption claims denied for their COVID-19 losses. Insurers all across the U.S. are being scrutinized for the manner in which they are responding to claims. Most insurers are defending their actions by saying that pandemics are not covered and that premiums for such coverage was never collected.

But many business owners beg to differ.

The truth is, most business owners are carrying some sort of business insurance coverage and pay toward their premium each month. Not only do owners purchase insurance to ensure they are in compliance with the law but also to assure they are protected in the event their business experiences a loss. Based on how most insurers are responding to COVID-19 claims, it appears insurance companies aren’t as reliable as most business owners had initially thought they were.


While some policies explicitly exclude losses caused by infections/viruses, a large number of policies don’t specifically state this.


Essentially, what this means is that you may be entitled to coverage for your COVID-19 losses. However, if your insurer recently denied your business interruption claim, rather than go back and forth with the company, it is recommended that you retain an Indiana insurance claims denial attorney to represent you. USAttorneys.com works with the best insurance lawyers in the state of Indiana and would be happy to connect you with one now.

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