I am forwarding below a link to a recent September 22, 2020, well-written post by Weintraub Tobin (Josiah Prendergast and Mark Ellinghouse) discussing how one federal court read the wording of a business interruption policy to preliminarily include coverage for COVID-19. The Court discussed the word “or” in the policy. As you might be aware, insurance coverage is significantly based on the words that are used in the policy and the interpretation of those words and the policy as a whole based on multiple factors. Every policy is different, although different policies might use some of the same standard language for various of the provisions. Read your policy carefully – whereas it is not uncommon for an insurer to deny coverage for COVID-19, depending on the circumstances you might have coverage. Here is the link to the article: https://www.weintraub.com/blogs/articles/recent-federal-decision-regarding-business-interruption-insurance-could-mark-a-turning-point-for-covid-affected-businesses
Remember, every case and situation is different. It is important to obtain and evaluate all of the evidence that is available, and to apply that evidence to the applicable standards and laws. You do need to consult with an attorney and other professionals about your particular situation. This post is not a solicitation for legal or other services inside of or outside of California, and, of course, this post only is a summary of information that changes from time to time, and does not apply to any particular situation or to your specific situation. So . . . you cannot rely on this post for your situation or as legal or other professional advice or representation.
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Best to you, David Tate, Esq. (and inactive California CPA) – practicing in California only
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My law practice primarily involves the following areas and issues:
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Business, Business-Related, and Workplace Disputes and Litigation: Private, Closely Held, and Family Businesses; Public Companies; Nonprofit Entities; and Governmental Entities
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