HOW MAY I HELP YOU?

    1. Do you own or work for a business that has suffered business income loss as a result of the coronavirus?
    YesNo

    2. What is the name and address of each location of the business?

    3. What industry is the business in?

    4. Does the business have any type of insurance?
    YesNo

    5. Have you filed a claim for your business income loss with your insurance company?
    YesNo

    If yes, What is the name of the insurance company with whom you filed your claim for business income loss and what was their response?

    Claim Was Paid, but not in fullClaim was Denied

    We are sorry to hear that your insurance company paid some, but not all of the limits of the policy on the claim that you made. Please call us at (954) 888-7720 or email us your insurance policy documents and your contact information and we will reach out to you today to discuss how we can help you. Our email is info@ellsleylaw.com

    We are sorry to hear that your insurance company has denied your claim. You are not alone. The insurers are doing this frequently. Please call us at (954) 888-7720 or email us your insurance policy documents and your contact information and we will reach out to you today to discuss how we can help you. Our email is info@ellsleylaw.com


    If not, please contact us at (954) 888-7720 or email your insurance policy documents to us and your contact information and we will reach out to you today to discuss how we can help you. Our email is info@ellsleylaw.com




    Update: June 15, 2020



     


    Update: June 5, 2020



    Insurance dispute attorney Rick Ellsley discusses how you could
    recoup some of your small business' losses from COVID-19
    in this Daily Business Review article.






    April 9, 2020

    Life as we knew it when 2020 started has changed. COVID-19 is a global pandemic. Florida, like most states, is essentially shut down, and workers in Plantation, Pembroke Pines, Davie and all over South Florida are getting sick and dying. Floridians are losing their jobs in record numbers. Businesses have closed. For some, this closure will be permanent. There is; however, hope for local businesses that purchased business interruption insurance to protect them from potentially devastating costs associated with the state’s notoriously severe weather. Business losses are sometimes covered under business owners and commercial property insurance policies. These policies are complex and are often filled with exclusions, so be sure to consult with a business interruption attorney in Plantation, Pembroke Pines or Davie to see if your business qualifies for a claim.

    Business Interruption Insurance Claim?

    What are common exclusions of a business income loss insurance policy?

    Business loss insurance is fairly common in Florida, because hurricanes and tornadoes can destroy office buildings and industrial warehouses, wiping out inventory and other expensive property. One common exclusion is that coverage will only be provided when the physical premises of the business is destroyed.

    So, are you covered? Do you have a case for a successful claim? Speak with a business interruption attorney in Plantation, Pembroke Pines, or Davie by calling The Ellsley Law Firm at 888-SUE4YOU or (954) 888-7720. Let our Plantation business income loss lawyers navigate you through the tricky process of getting your insurer to pay your business insurance claim.



    Business Interruption FAQs

    What is business interruption insurance?

    Business Interruption Insurance is exactly what it sounds like. When a business loses income due to being forced to close by a government order, The insurance company should cover the interruption in income that the business has suffered.

    Does business interruption insurance cover losses from COVID-19?

    Yes. Most policies will cover business income loss when businesses are forced to close by government order. Each policy is different in terms of the language of the policy. Many people think that a virus exclusion within the insurance policy will prevent the business from recovering its loss of income. However, very rarely does a virus exclusion apply or is enforceable under the circumstances when a government Order is the reason a business has lost income or has been interrupted.

    What are the coverage limits for business interruption insurance?

    Many policies will cover the actual losses that the business has sustained for a period of one year from the date of the government order closing the business. Other policies limit the compensation to 6 months or sometimes even 1 month.