Curious About Your Business Interruption Coverage?

Coronavirus has affected lives, businesses, and communities around the world. Many businesses have temporarily closed due to law, choice, or economic conditions in order to protect our communities from this pandemic. These temporary closures result in businesses losing vital income that could potentially lead them to shut down for good. We’ve developed this page to provide helpful information and free policy reviews. 

Does My Business Interruption Insurance Cover Losses Related To Coronavirus?

The question for many policyholders now is whether their business interruption coverage will protect them from losses incurred from Coronavirus. Unless you have recently purchased your insurance policy, you will likely not see Coronavirus mentioned. However, you may be entitled to coverage if there is mention of coverage extended for incidents triggered by a pandemic or epidemic.  You may also find coverage under a civil authority provision due to state-mandated closure orders. 

We recommend thoroughly reviewing your policy to determine the extent of your business interruption coverage. If you are unsure whether your policy allots coverage for a pandemic, review your policy with an experienced attorney. They will be able to help you interpret your policy in order to figure out whether you are entitled to any coverage benefits. 

Are There Any Exclusions For Viruses In Business Interruption Coverage?

Some policies may contain exclusions for viral outbreaks, but this doesn’t automatically mean you are unable to receive coverage. We recommend allowing an attorney to review your exact policy language with you to identify any possible exclusions, namely for viruses. Merlin Law Group would be happy to provide a free policy review for those curious about their business interruption coverage. 

Is There Any Legislation Relating To Coronavirus Insurance Claims?

There are some states with pending legislation that would help provide relief to business owners looking to file business interruption claims. We recommend you pay attention to your state government to see whether they pass any legislation that could offer some form of financial assistance. 

How Should I Proceed With Filing A Business Interruption Claim?

Free Policy Review

To start your review please complete the form and upload your policy below. If you need assistance call 877.449.4700 or email

Given the uncertainties surrounding Coronavirus as it pertains to insurance coverage, you should consult with an attorney that specializes in insurance claims first. They will be able to help you understand your policy and what options you have for pursuing a business interruption claim. Before you file a claim, you should:

  • Obtain a copy of your insurance policy. Look for your Declarations Page, which lists all coverage and exclusions. If you cannot locate a copy of your policy, contact your insurance agent to have them send it to you. 
  • Keep record of all losses incurred as a result of the COVID-19 pandemic. This should include all losses related to payroll, closures, and other business operation expenses. 
  • Review your policy with an experienced attorney. They will verify the best course of action based on the circumstances. 
Once you have filed a claim, be sure to keep record of all correspondence between you and your insurance company. They may try and claim that your business interruption losses are not covered under your policy, but that could be proven otherwise with the help of an attorney. 

Free Policy Review

Merlin Law Group is here to help. Our attorneys are happy to review your policy and individual case to determine the extent of your insurance coverage for business interruption due to the COVID-19 pandemic. Please use the form to the right to provide us with your information. From there, our team will be in contact to conduct a free case review. 

Download Our Coronavirus Coverage eBook 

We have created an eBook discussing business interruption coverage is it relates to Coronavirus. You can download a copy of our Coronavirus Coverage eBook here


Practicing Nationwide

There’s a Merlin Law Group near you. Established in 1985, Merlin Law Group is a leading insurance litigation law firm committed to assisting policyholders receive fair and just outcomes from their insurance companies. With offices located nationwide, we have someone standing by to hear your case. 

Tampa, Florida

777 S. Harbour Island Blvd.
Suite 950
Tampa, FL 33602
Office: 813-229-1000
Fax: 813-229-3692

Panama City Beach, Florida

2808 W. 23rd Street
Panama City, FL 32405
Office: 850-290-5940
Fax: 813-229-3692

West Palm Beach, Florida

222 Lakeview Avenue
Suite 1250
West Palm Beach, FL 33401
Office: 561-515-6025
Fax: 561-249-1283

Red Bank, New Jersey

125 Half Mile Road
Suite 201
Red Bank, NJ 07701
Office: 732-704-4647                     
Fax: 732-704-4651

Chicago, Illinois

181 W Madison Avenue
Suite 3475
Chicago, IL 60602
Office: 312-260-0806
Fax: 312-260-0808

Denver, Colorado

1001 17th Street
Suite 1150
Denver, CO 80202
Office: 720-665-9680
Fax: 720-665-9681

Oklahoma City, Oklahoma

One Leadership Square
211 N. Robinson Ave.
Suite 210
Oklahoma City, OK 73102
Office: 405-218-1105
Fax: 405-218-1106

Houston, Texas

515 Post Oak Blvd.
Suite 510
Houston, TX 77027
Office: 713-626-8880
Fax: 713-626-8881

Phoenix, Arizona

2999 N. 44th Street
Suite 520
Phoenix, AZ 85018
Office: 480-315-9980
Fax: 480-315-9984

Los Angeles, California

2049 Century Park East
Suite 650
Los Angeles, CA 90067
Office: 818-945-9800
Fax: 818-945-9801

San Francisco, California

1160 Battery St. East
Suite 100
San Francisco, CA 94111
Office: 415-874-3370
Fax: 415-874-3017