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    Business Interruption Claims

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    Fort Lauderdale Business Interruption Claims Lawyers

    Broward and Palm Beach County Attorneys Help Businesses File Interruption Claims for Losses Caused by COVID-19

    The coronavirus pandemic currently sweeping across South Florida, the U.S., and the entire world has caused business and entire economic sectors to completely shut down in an effort to facilitate social distancing and slow the spread of coronavirus. Unfortunately, public health officials cannot yet predict how long this shutdown will last or what public health measures will still need to be in place once the current full lockdown begins to be lifted. As a result, business owners across Broward and Palm Beach counties are experiencing drastic interruptions to their operations with no way of knowing when those operations may resume. 

    Fortunately, some business owners may be covered by business interruption coverage under their property and liability policies. Business interruption insurance can provide payments to businesses to help with the costs incurred in halting operations. However, many business owners with business interruption coverage are finding their claims denied during the COVID-19 outbreak, with insurers claiming that pandemics or public health disasters do not fall within the scope of coverage.

    If you are a business owner in Broward or Palm Beach County whose business has been shut down due to the coronavirus pandemic and you are having difficulty having your business interruption claim accepted by your insurer, contact Lawlor, White & Murphey today to speak to our attorneys about your legal rights and options.

    Basics of Business Interruption Insurance in South Florida

    Business interruption coverage is intended to cover costs associated with lost business income. Some of the categories of “lost income” that might be covered under a business interruption policy include:

    • Profits
    • Fixed costs
    • Temporary location, if you must relocate your business
    • Commission and training costs, to replace machinery or retrain new employees
    • Government orders, if the government mandates hours or occupancy restrictions that cause you to suffer lost profits
    • Employee wages, including insurance and other fringe benefits
    • Taxes
    • Loan payments that are due while your business is not operating

    Your policy may also cover other expenses beyond the fixed costs of operating your business. It is important that you carefully read your business interruption policy, in conjunction with an attorney, to understand what income or costs your policy will cover.

    How Business Interruption Coverage Can and Cannot Help Businesses Disrupted by COVID-19

    Business interruption coverage is typically part of a business’s larger property and liability policies. Business owners may try to make a claim under their property coverage, especially if their physical location must be shut down due to contamination by an employee or customer infected with coronavirus who comes into the business premises. Although there is an argument to be made that a coronavirus contamination constitutes non-structural property damage, the business owner may only be compensated for the costs of sterilizing the premises to repair such “damage”.

    Otherwise, a business may need to look to their business interruption coverage for other monetary losses suffered due to a coronavirus contamination or due to the current shutdown due to the pandemic. Some business interruption policies do expressly provide coverage for losses caused by disease, while other policies expressly exclude such coverage. Other policies may provide coverage for diseases caused by bacteria but not viruses. Other policies may be entirely ambiguous as to whether disease or pandemic falls within the scope of coverage. 

    Finally, business owners may want to ensure that they are meeting their obligations under their policy language and under insurance law to mitigate their losses. Some business interruption policies do provide compensation for loss mitigation efforts or even require a business to undertake reasonable loss mitigation efforts to access coverage. As a result, a business that can stay open during shutdowns as an “essential” service may be required to do so under their policies, if state and federal health guidelines can be followed.

    South Florida Business Interruption Claims Attorneys at Lawlor, White & Murphey Help Companies Secure Critical Coverage during the COVID-19 Crisis

    If you are a South Florida business owner having trouble accessing coverage under your business interruption policy, the attorneys of Lawlor, White & Murphey are ready to help you secure the coverage your business badly needs at this time. Our aggressive, experienced attorneys have the knowledge and skill to effectively advocate that you are entitled to coverage under your policy. Even when your right to coverage is not at issue but the amount of compensation is, we can vigorously negotiate with the insurance adjusters to ensure that you receive the maximum amount of compensation possible under your policy and the circumstances of your case.

    Contact Lawlor, White & Murphey Today to Speak with Our South Florida Business Interruption Claims Lawyers

    If your business has shut down or is suffering interruptions due to the ongoing COVID-19 outbreak and you are having difficulties getting benefits through your business interruption insurance policy, contact the experienced attorneys of Lawlor, White & Murphey today to schedule a consultation to go over the details of your claim and to discuss your rights and options for getting the compensation and benefits you may be entitled to under your business interruption policy.

    Frequently Asked Questions about Business Interruption Claims in South Florida

    FAQ: What do I do when the insurance company denies my claim?

    If your business interruption claim is denied by your insurer, you should contact an experienced business interruption claims attorney. An attorney can review your insurer’s denial documentation to help you understand why your claim was denied. An attorney can also help you prepare an appeal letter and provide additional information to address the insurer’s reasons for denying your claim. If necessary, an attorney can help you prepare and file a lawsuit to seek the business interruption coverage you believe you are entitled to under your policy.

    FAQ: How are business interruption losses calculated?

    Most insurance companies rely on a formula to calculate business interruption losses. One of the more commonly-used formulas multiplies a claimant’s total shutdown time by the quantity of goods or services regularly produced by the value of all units of production. Of course, an insurance adjuster may calculate different values for these figures than you may have calculated yourself, so it is important that you have an experienced attorney who can aggressively negotiate with the insurance company to get you the maximum amount of compensation possible.

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    John K. Lawlor

    John K. Lawlor, a South Florida personal injury attorney who focuses his practice on complex personal injury, wrongful death, and professional malpractice, founded the law firm of Lawlor, White & Murphey in 1996. Since 1995, Mr. Lawlor’s trial advocacy and litigation skills, as well as his wide-ranging legal expertise, have provided plaintiffs and their families with a distinct advantage when seeking financial compensation and justice for injuries caused by the negligence of others.

    Ben Murphey

    A partner at Lawlor, White & Murphey and a distinguished personal injury lawyer, Ben Murphey tries complex disputes that include civil appeals, maritime and admiralty claims, wrongful death, and labor disputes. Mr. Murphey has been recognized for his excellence in the area of personal injury litigation by being rewarded with a 10/10 Avvo Rating and named a Super Lawyers “Rising Star” for 2010-2013 and Super Lawyers 2014-2019.

    Anthony B. White

    Since 1994, seasoned litigation and trial lawyer Anthony B. White has helped thousands of accident victims seek damages due to injuries sustained as a result of another party’s negligence. Included in America’s Registry of Outstanding Professionals and selected to the 2012, 2014-2019 editions of Florida Super Lawyers, Mr. White specializes in car accidents, insurance disputes, wrongful death, product liability, and medical malpractice cases.


    Vivian B.

    John Lawlor and this practice provide their clients with the upmost professionalism and expertise. I highly recommend them!


    John proved himself to be an attorney I could completely trust. His knowledge, experience and professionalism, mixed with his kindness and genuine concern for me and my family, were greatly appreciated.

    Iskra D.

    I cannot say enough about Anthony – he treated me like a friend instead of just another client. He was always available to answer any concerns, and provide guidance about my case.


    I summarize my experience with Anthony with the words honesty, professionalism, efficiency and care. Thank you so much.

    Jaime H.

    This is a fantastic team of lawyers! Everyone who worked there treated me like I was their most important case, even though it wasn't a major car accident case. I would highly recommend them.


    Ben worked on my case tirelessly and always kept me informed. Throughout a very lengthy and complex case he was very compassionate, empathetic and distributed a wealth of knowledge.


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