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Filing a COVID-19 Business Interruption Insurance Claim with Liberty Mutual: What You Need to Know

With a shelter in place order announced in California and other states due to the Coronavirus outbreak, many business-owners have been forced to cease operations or drastically reduce their original business. Fortunately, property insurance providers such as Liberty Mutual offer financial relief in the form of business interruption insurance — but many business-owners may be confused as what does and doesn’t qualify.

If you have a business affected by COVID-19 and you need assistance with a business interruption insurance claim with Liberty Mutual, the California business interruption insurance attorneys of Bentley & More LLP can help. We have the experience and knowledge of business insurance policies and procedures to give you help during these difficult times. Contact us today to see how we can help you file with Liberty Mutual.

Does Liberty Mutual Business Interruption Insurance Cover COVID-19?

Liberty Mutual is one of many insurance providers who does not have an explicit business interruption insurance policy. Instead, it is optional, elective coverage added onto your existing property insurance policy.

Although the provider does not outright detail what is and is not covered under their policy, they maintain that such insurance may cover lost income, payroll, and other expenses while your business is closed or otherwise unable to operate. If you have elected to add coverage for business interruptions, your policy may indicate what is and isn’t qualified under your policy.

Does My Business Qualify for Business Interruption Insurance?

Your business may qualify for business interruption insurance if it meets any of the following circumstances:

  • Your business has been shut down due to COVID-19.
  • Your business hours have been reduced due to COVID-19.
  • You have had to significantly reduce staff due to COVID-19.
  • Your business has had to significantly alter operations in order to comply with state orders.
  • You or your business has been exposed to Coronavirus and has been shut down in order to clean and disinfect the premises.

An experienced attorney can properly evaluate your circumstances to see whether or not you qualify for business interruption.

Is A Lawyer Necessary for Coronavirus Business Interruption Insurance Claims?

If you are filing a claim for business interruption insurance due to COVID-19 measures, we highly recommend consulting an attorney first before starting the process. The Coronavirus outbreak is an unprecedented event in our history — and many commercial property policies may not have accounted for a global pandemic in their qualifications.

As a result, many providers are evaluating COVID-19-related business interruption claims on a case-by-case basis. An experienced attorney can ensure that your case has all the information, evidence, and proper filing necessary to accurately convey your case for compensation through your policy. Additionally, if your business interruption insurance claim has been rejected and you believe your claim was fully qualified, an experienced attorney can investigate further to see whether your insurance provider was acting in bad faith.

Liberty Mutual Contact Information for CA Business Interruption Claims

Liberty Mutual offers several convenient options if you have any questions or concerns regarding your business interruption and any qualifying claims.

  • You may find an agent near you to schedule an appointment
  • You can call to report a claim for small businesses: 1 (844) 325-2467
  • You can call to report a claim for mid/large businesses: 1 (800) 362-0000

It is best to consult with an insurance attorney first before contacting Liberty Mutual, as they may be able to prepare you for any questions or information required for a business interruption claim.

What Do I Need to File for Business Interruption Insurance?

At Bentley & More LLP, we make sure to fully evaluate all details of your claim before moving forward with a formal filing. Therefore, we always recommend gathering the following before proceeding:

  • A copy of your property insurance policy
  • Any previous contact or conversations with an agent regarding business interruption
  • A copy of any state or governmental mandates that dictate an immediate impact to your business property
  • Any P&L or expense statements for the past year, at the very least
  • Any financial contracts, meetings, or transactions which may have been postponed or outright canceled due to COVID-19
  • Any documents that show the impact that COVID-19 has had on your business. This includes receipts, invoices, and other relevant statements
  • A record of other expenses or losses you’ve incurred due to the impact of COVID-19

Contact Us for Help With Your Business Interruption Insurance Claim

An interruption in your business can have profound, immediate ramifications for your livelihood. Contact us today to see how we can help you file a business interruption claim for immediate financial relief. We are committed to helping our community in this difficult time in any way we can.