Insurance Coverage for Business Interruption Losses During COVID-19 Pandemic


Insurers are already being called upon to respond to claims for business interruption due to business closures as a result of the ongoing COVID-19 pandemic. Most business interruption policies require “direct physical loss” to trigger coverage. The attached paper (click below to download) summarizes the pertinent policy language in standard policy forms, how that language has been interpreted in somewhat similar situations and the industry’s response so far.

If you wish to further discuss business interruption losses due to COVID-19 or have any questions, please contact a Swift, Currie, McGhee & Hiers attorney at 404.874.8800 or via our website,

The foregoing is not intended to be a comprehensive analysis of the full effect of these changes. Nothing in this notice should be construed as legal advice. This document is intended only to notify our clients and other interested parties about important recent developments. Every effort has been made to ascertain the accuracy of the information contained within this notice.

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