Business Interruption and Civil Authority Insurance Claims Due to Corona Virus / Covid-19 Outbreak

Business owners and executives work hard. You planned, sacrificed and worked harder than everyone else, and you did it because you know that many families, not just your own, are counting on you.

You also planned to protect against business risks when you bought insurance, including business interruption insurance, to protect you when there are forces out of your control that harm your business and cause unexpected loss.

As has historically occurred in the event of mass catastrophes and disasters, insurance companies find ways to either reduce payouts or outright deny claims under the very policy they issued and you purchased for these kind of tragedies. These insurance companies rely on carefully crafted, complicated policy language full of legalese to deny your claims, or distorted economics and accounting to reduce your claims, and then an army of experienced corporate lawyers to ruthlessly fight all claims, even legitimate ones, brought in court.

The corona virus or COVID-19 will certainly be no exception. In response to a letter from Congress urging the insurance companies to recognize financial loss due to COVID-19 as part of the policy holder’s coverage, the insurance industry responded stating that the policies were not designed to cover this type of loss and they would be denying claims.  Some research by the Congressional Research Service on business interruption claims and COVID-19 can be found here.

Businesses are being forced to close their doors and will experience unprecedented loss. Unfortunately, many businesses may never open again. The insurance companies are already steps ahead of you in planning their response to business interruption and other similar insurance claims.

The law provides protection against these types of actions by insurance companies. The lawyers at the Holland Law Firm have been fighting for our business and individual clients against the insurance companies and their lawyers for decades to obtain the compensation they were denied.


The initial notice to the insurance company and claim documents often form the basis for the insurance company’s denial of business interruption coverage. That is why it is critical that you consult with a lawyer before filing a claim as the wording you choose can often mean the difference between compensation versus partial compensation only or outright denial. You also need to make sure you take the legally required steps to protect your business in the event you have to pursue a case in court against the insurance company.

We are offering to help you with these initial notice and claim documents for free. No charge.

However, no matter how prudent you are, the insurance company is in the business of making money and saving on claims. They are not in the business of paying you money, despite the PR and marketing to contrary. In fact, their adjustors are often compensated based on how little money they pay out on claims.

If litigation becomes necessary, we will represent you on a contingency basis, meaning no upfront charge to you and no upfront retainer. We only receive legal fees if you recover.

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Please call our main office at 314-241-8111 for either your Missouri or Illinois business insurance claim or you can email R. Seth Crompton at or our general email box at to set up a free consultation to see if the Holland Law Firm can help protect your business in this time of uncertainty and loss. With offices in downtown St. Louis and Madison County, Illinois we bring unmatched courtroom results to bear for our clients throughout the St. Louis region.

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