Business owners in Florida are fed up with the responses they are receiving from their insurers regarding their claims filed for COVID-19-related losses and many are turning to the courts for help. A Florida restaurant chain owner with branches in Hialeah and Miami is one of those business owners to come forward with a lawsuit against their insurance company. Business Insurance reports that the owner of El Novillo Restaurant filed their lawsuit in the U.S. District Court for the Southern District of Florida naming Lloyd’s of London as the defendant.

The suit is seeking class-action status along with “declaratory rulings that their business interruption policies cover government-ordered shutdowns of their operations.”

Many business owners in Florida have been left with no choice but to file suit against their insurance companies as most are alleging that business interruption coverage, including civil authority coverage, can only be triggered by physical damage. While the COVID-19 virus may not cause the same sort of destruction as a fire or hurricane, business owners are saying that the virus has caused property damage which in turn has disrupted their operations. In fact, this has become one of the more common arguments that have developed between business owners and insurers.

The owners of El Novillo Restaurant are using this as one of their arguments in their lawsuit. The suit says that the “COVID-19 pandemic and the corresponding response by civil authorities to stop the spread of the outbreak triggers coverage, has caused physical property loss and damage to the insured property.” Now, because the two parties have yet to come to an agreement on the coverage, the decision will be left up to the courts.


Do you own a restaurant, salon, or another type of business in Florida?


Was your business interruption claim denied for COVID-19-related losses?


Insurance companies are well aware of the large payout they are facing for all the business interruption claims being filed related to the COVID-19 pandemic which is why there haven’t been any reports of any claims getting paid. The fact is, once one insurance company pays a claim, others could be held liable for paying those filed for similar losses. Essentially, what this means is that there are business owners all over Florida who have purchased and paid for business interruption coverage who aren’t getting it.

If you are one of those business owners and would like to see your claim get paid, it’s time you let connect you with a Florida insurance claims denial lawyer. An attorney will be able to determine if you are entitled to coverage and decide what form of action needs to be taken to get your insurer to comply.

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