Montana, My insurer denied my business interruption claim for COVID-19 losses. What should I do?

Lawsuits filed by business owners across the U.S. are mounting after most, if not all, insurance companies have taken the same stance—they aren’t going to cover pandemic-related losses. While most business owners were under the impression that because they purchased business interruption coverage, their insurer would cover the losses they suffered as a result of the COVID-19 pandemic. Unfortunately, insurers are now saying that they don’t cover claims related to viruses, bacteria, and pandemics.

According to most insurance companies, business interruption insurance is only meant to be utilized when your property sustains physical damage as a result of an emergency or disaster. Although some policies offer civil authority coverage, which protects a business when the government forces it to shut down, even those with this added provision still aren’t getting their COVID-19 claims paid. Rather than argue with an insurance agent who isn’t going to approve their claim, the majority of business owners have turned to the legal system for help.


How do I get my insurer to pay my denied business interruption claim?


Although the insurance industry seemed to have gained some support from the National Association of Insurance Commissioners (NAIC) who says that “Business interruption policies were generally not designed or priced to provide coverage against communicable diseases, such as COVID-19,” that doesn’t mean they are off the hook for covering claims [Source: Chron]. The fact is, there are many policyholders in Montana and other states across the U.S. that have policies that do not specifically exclude pandemics.


If you own a business in Montana and your business interruption policy does not exclude pandemics, you may be able to get your claim paid with the help of a Montana insurance claim lawyer.


If you think you are entitled to business interruption coverage, yet your insurer has denied your COVID-19 claim, the best way to address the issue is by hiring a Montana insurance claim denial lawyer. Insurance companies are aware that if they begin to pay claims, their $800 billion surplus would be depleted as losses per month have been estimated to be about $430 billion. Essentially, what this means is that if you intend on challenging your insurer’s decision, you can expect to face an uphill battle.

And you aren’t going to want to go into it alone.

Insurance companies are backed by lawyers which means you will likely have a hard time convincing the company it is liable for covering your claim. Therefore, if you want to increase your chances of getting your business interruption claim paid, your best bet is to let USAttorneys.com help you retain a Montana insurance claims attorney of your own.

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