New Orleans Business Interruption Claims Attorneys

Kara Samuels & Associates is committed to protecting your rights

When an incident occurs that prevents a business owner from functioning normally, they turn to their insurance coverage expecting relief.

Business interruption insurance is intended to cover losses from unexpected interruptions to a company’s regular operations.

These types of policies are often complicated with multiple coverage forms, definitions, and terms. 

Because every policy is different, and because insurers often try to reject claims, it’s important to have an experienced attorney review the policy carefully.

Contact a New Orleans Business Interruption Claims Attorney

Because every policy is different, and because insurers often try to reject claims, it’s important to have an experienced attorney review the policy carefully. 

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As the coronavirus continues its spread, businesses and economies worldwide are seeing its negative effects.

Louisiana has now joined a handful of other states considering legislation to require insurance coverage for the business interruption losses from the COVID-19 pandemic. 

The bills would force insurers to retroactively cover these claims despite policy language that insurers might try to use to avoid coverage. The bill in the Louisiana Senate is not limited to small businesses, and neither of the bills provide a mechanism for the insurers to seek reimbursement for payments made pursuant to the law. 

Both proposed bills, if passed, would apply retroactively to March 11, 2020. 

Get in touch with our team at Kara Hadican Samuels & Associates today to figure out what this means for you and your business.

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What is a business interruption claim and how does it work?

Companies often have Business Interruption Insurance as a part of their insurance policy that protects them from something that happens unexpectedly and out of their control. The idea behind the policy is to help a business return to normal operations after a disaster.

Business interruption insurance is purchased for multiple reasons.

First, the policy promises that the insured will be compensated for the income lost during the time period of interruption resulting from the accident or problem. In Louisiana, these types of policies can also protect you against losses due to periods when your business has to shut down due to other types of property damage. Additionally, coverage may include lost revenues, rent, utilities, and other extra expenses.

Here are some business loss examples that would give you a reason to file a claim:

  • Lost income
  • Clean up and sanitation costs
  • Expenses for buying technology for remote working
  • Supply chain disruptions
  • Blocked access to facilities
  • Cancellations

Business interruption insurance may also include extra provisions, including:

  • Contingent business interruption provision: Providing coverage for a loss of income when a business has an issue with a supplier, vendor, partner, consumer, etc.
  • Extended business interruption coverage: Paying for lost income after the property is repaired but before the income returns to the pre-loss level.

When dealing with a disaster, the process of filing a business interruption claim can be overly-complicated. That’s why our team at Kara Hadican Samuels & Associates has made it simple for you. The three most important things to do when you’re looking to file a business interruption claim are:

  1. Notifying your insurer of the claim
  2. Reviewing your policy with your attorney
  3. Keeping records of all of the documentation that can help support your claim

Once we sit down with you and review your policy, we can help you make your claim and do our best to get you (and your business!) back on your feet.

Our team of legal experts is here for you. To discuss your case directly with one of our New Orleans-based attorneys during a free initial consultation, please contact us!

504-662-1747Toll Free 866-575-5385