Insurance Claim Solutions

Loss Assessors Dublin | Insurance Claims Experts

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Business Interruption due to Covid-19

Many businesses have recently been forced to close due to the impact of COVID-19 and the measures which the Government has had to take in the interests of us all. There has been an uproar in the media with many commentators berating insurance companies for rejecting claims for businesses that have been forced to close. Many commentators do not understand the first thing about insurance policies and are not best placed to inform the general public. While it’s populist to bash insurers for not covering business losses, one cannot expect an insurer to make payments to businesses if the cover doesn’t exist in the first place.

Many Insurers Not Accepting Liability

Corona Virus sign It is clear that many insurers are not accepting liability for business closures due to the virus and that most businesses will not be covered for the interruption. However, there are a number of policies that have cover for your business losses. Having an expert understanding of your policy wording will help you figure out if your policy extends to cover you for business losses.

There are two types of policy extensions to your business interruption that can potentially cover you for this situation:

Infectious Disease Extension

  • Many policies expressly state which diseases fall within the realm of being an infectious or notifiable disease. If this is the case, your policy WILL NOT provide cover, as COVID-19 is a new disease and will not have been included.
  • Other policies have wording specifically excluding a range of notifiable diseases, such as AIDS, SARS Etc. In these instances, outbreaks related to these diseases, whether notifiable or not, are fully excluded from cover.
  • Other policies define the disease with reference to the actions of the Government, i.e. is it a notifiable disease. There should be less difficulty in this case, as COVID-19 has been a notifiable disease in Ireland for a number of weeks already.
  • Many policies require the disease to be on your premises; other refer to a specific radius.
  • Many insurance policies do cover business closure or restriction due to the outbreak of an infectious disease.

Denial of Access Extension (non-damage)

  • This may cover you if you are prevented from accessing your property by an event, or by the actions of a competent authority, thus causing your business interruption cover to engage. This is a grey area as some businesses that have been advised to close, can still continue to operate if they do so safely.
  • It is worth noting that there may be subtle differences in the wording. You may be covered, but it will depend on your individual circumstances and the policy wording.

Understandably business owners are extremely worried at the moment. If you are unsure as to whether or not you are able to claim business interruption insurance, please contact Trevor Kelly on 0863571713 for an Expert Independent Review.

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Need Help With Your Insurance Claim?
Eliminate the Stress of Dealing With The Insurers * Get Faster Settlement of Your Claim * Get A Full Compensation For Your Loss * NO WIN - NO FEE *

My name is Trevor Kelly. I am highly experienced Public Loss Assessor and Insurance Claims Expert. I can take away the stress of dealing with the insurers, help you assess the damage, prepare your claim and make sure that you get a full compensation for your loss. FREE, no obligation on site assessment of your claim.

Call our 24 hour emergency number  086 357 1713, or request a call back by entering your details below.

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Public Loss Assessors Dublin, Wicklow, Kildare, Meath, Louth, Westmeath, Offaly, Cavan, Monaghan, Tipperary, Kilkenny, Laois, Longford, Wexford, Waterford and Northern Ireland. Start-to-End Insurance Claim Management Services

 

Trevor Kelly t/a Insurance Claim Solutions is regulated by:

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Speedy Claims Resolution: Trevor is a qualified building surveyor and as such knows what to look for with regards to things like ‘unseen’ damage. Read more…
Water Damage Claim - John from Co. Laois
Contact Details

Insurance Claim Solutions

Golf Rd, Rush, Co. Dublin

 

Mobile: 086 357 1713 Phone : 01 870 9210

 

We are registered as Public Loss Assessors and fully regulated by the Central Bank of Ireland

Google Reviews
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Allish Oconnor
Allish Oconnor
20:34 04 Apr 20
Thank you Trevor so much for all your help with my recent... insurance claim. Trevor looked after all paperwork and communication with my insurance company. The claim was processed very efficiently and was totally stress free for me, considering that we had a serious leak in the house. Trevor actually recommended a builder to complete the work and we are extremely satisfied with the job. Do not hesitate to contact Trevor if you find yourself in the need of accessing your insurance! All the best Trevor.read more
Mar O'Donoghue
Mar O'Donoghue
13:08 30 Mar 20
Excellent service. Very difficult case arising due to water... egress from damaged pipe work causing significant subsidence. Insurers attempted to frustrate the claim, without Trevor's help we would never have been able to navigate the claims process successfully. We are forever grateful and would never attempt a home insurance claim again without engaging Trevor first. We cannot recommend his services strongly enough.read more
Antoinette Tierney
Antoinette Tierney
19:18 20 Mar 20
Thanks a million @insurance_claim_solutions_ for looking... after my mam and dad insurance claim after a flood wrecked their bathroom and sitting room. Thank you Trevor for making sure she got fixed up even after the job was finished they would have had no idea how to claim and probably would have left it without claiming, and you took over everything for them. They now have a beautiful wet room which is a godsend to my elderly parents I would highly recommend you in the future and have passed your number on. Thanks again for making a huge difference to their lives greatly appreciated From Antoinetteread more
Miryam Harris
Miryam Harris
09:36 21 Feb 20
Trevor was recommended by our neighbour when we had a water... leak before Christmas. He was just amazing from start to finish and took the hassle way from us having to deal with the insurance company. At all times he was very professional, knowledgeable and courteous. The whole process was seamless from start to finish. I would highly recommend Trevor from Insurance Claims Solutions to anyone.read more
Fidelma Heeney
Fidelma Heeney
14:27 20 Feb 20
Trevor assisted with a claim due to a flood which caused... quite an amount of damage to the property. His calm knowledgeable presence reassured me throughout the process. His professionalism and attention to detail was exceptional and nothing got overlooked. I cannot say enough positive things about his way of working and cannot recommend him highly enough.read more
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