COVID-19 (Coronavirus)

Business Interruption Claims Denial

Business interruption insurance offers protection when you need it most — when your business is temporarily unusable and has no way to generate income or profits.


But what can you do when your insurance company denies your business interruption claim because of COVID-19?


Get an experienced second opinion

Your insurance company will probably reject your business interruption claim immediately.

At Cowan & Hilgeman Law, we have decades of experience dealing with insurance companies that don’t want to pay what’s fair and right. They only have one priority, and that is to their shareholders – not you. You have rights as a policyholder and we will use our extensive experience to fight for you.

Don’t fall for insurance company Deny, Delay, Confuse, Defend tricks. You may have a valid claim for loss of your business income from the COVID-19 pandemic, no matter what they claim.

business interruption

While not every Business Interruption Insurance policyholder may be entitled to compensation, Business Interruption Insurance could be a source of financial security during this enormously stressful time. Policyholders should work with professional, impartial advisors to check the specific terms of their policy.

We have heard that many insurance companies are summarily denying claims on the grounds that COVID-19 has not caused any physical damage, or due to exclusions in the relevant policies for pandemics, epidemics and viruses. However, merely assuming that an answer of non-coverage is correct based on blanket statements from insurance companies or even agents and brokers (who may be financially connected to the insurance companies) is not advisable. The specific terms of the policy itself (and not a mere summary of terms) should be carefully read by an independent advisor who is skilled in reading and evaluating complicated contractual language.

If we don’t win your case, you don’t pay a dime

The insider scoop

Insurance Company Tactics Used to Avoid Paying for Legitimate Business Interruption Claims


“Your policy excludes claims from viruses and pandemics”

Does it really? Are you sure? Sometimes this may be true, but many times it may not. Ultimately a court may decide if your insurance policy will cover your business losses from the COVID-19 virus pandemic. If you simply trust the insurance company telling you your business interruption insurance claim is not covered, you may be leaving a lot of money on the table.


“We need this form”, “We are looking into it”, “We will be in touch”.

Many insurance companies routinely delay claims to avoid paying. By delaying as long as possible, the insurance company knows many of its claimants will eventually give up and move on. They also hope that you will run out the clock on successfully filing a claim, or miss some fine print deadline in which to file the correct paperwork.



“Pursuant to paragraph 165(a), subsection 78 of the underwritten policy, the afforementioned claimant has abbrogated heretofore…”

Insurance companies are notorious for their “Legalese” – unnecessarily complex, confusing language designed to intimidate and confuse you into accepting their word as law. Fortunately, the attorneys at Cowan & Hilgeman Law speak fluent legalese and will be able to translate your policy in terms you can understand.


We expect that many insurance companies will do everything in their power to prevent having to pay you fair compensation for your loss of business due to the COVID-19 pandemic.

A skilled lawyer will make sure that the insurance company treats you fairly and pays you the compensation you deserve. It is important that your lawyer explain how to present a strong and supported claim for your compensation.

An insurance company’s main objective is not to protect the insured, but to protect its profits. If your business interruption claim has been denied, you should speak with an attorney who has plenty of experience dealing with insurance companies.

Cowan & Hilgeman Law has recovered millions in compensation on behalf of clients and successfully negotiated settlements and litigated cases against the largest insurance companies and businesses in the country.

Additionally, Cowan & Hilgeman has attorneys recognized as some of the best personal injury attorneys in Ohio by the top attorney rating services such as Martindale-Hubbell, Super Lawyers and AVVO.

We are proud to have been the top rated personal injury attorney in Dayton for the last several years running – because we treat our clients with dignity and respect, and get them the results they deserve.





Since 1994, Cowan & Hilgeman has recovered millions of dollars in compensation for accident victims and their loved ones


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12 W. Monument Ave., Suite 100
OH 45402
(937) 224-7182
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