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Business Disruption

Tulsa Business Disruption Claims Attorneys

Helping Local Small Business Owners Affected by COVID-19

As the novel coronavirus pandemic continues to sweep across the U.S., prompting the mandatory closure of “non-essential” businesses, Oklahoma business owners are feeling the strain. Many who have been forced to temporarily shut their doors or limit their operations are turning to their insurance policies to see if their losses are covered by business disruption insurance.

If you are a business owner who has been affected by COVID-19, Aizenman Law Group is here to help. We know the typical challenges small business owners face, and we understand how these challenges have been compounded by the current coronavirus pandemic. Our Tulsa business disruption attorneys can review your business interruption policy at absolutely no cost to you. Our goal is to help local and small business owners during this time of uncertainty.

Because no two insurance policies are exactly identical, the best way to determine if you are covered or what your potential options may be is to discuss your unique situation with an experienced attorney.

We invite you to contact us today to schedule a completely free, no-obligation consultation with our attorneys, who can review your policy at no charge.

Understanding Business Disruption Insurance

While it’s true that the exact language of your business disruption policy will differ slightly from the next, most business disruption policies cover similar damages. The purpose of this insurance is to protect business owners in the event of certain “perils.” Typically, when a covered peril results in a direct physical loss, the business owner can collect compensation for his or her damages by filing a business disruption claim.

Covered perils typically include things like:

  • Fires
  • Theft
  • Windstorms
  • Lightning
  • Falling objects (such as trees)

If a covered peril results in your business experiencing a direct physical loss, you can file a claim to assist with losses such as:

  • Lost income
  • Destroyed property
  • Damaged merchandise, equipment, inventory, and other business assets
  • Payroll expenses
  • Costs associated with temporary relocation

Note that this is not an all-inclusive list; the exact language of your policy will determine what is considered a “covered peril,” as well as what damages you are entitled to receive.

Does Business Disruption Insurance Cover Coronavirus?

So, the big question is: Does business disruption insurance cover coronavirus-related losses? Put simply, the answer is: It depends.

A substantial number of business disruption policies have specific exclusions for losses caused by viruses and bacteria. These exclusions were introduced after past pandemics, such as the SARS outbreak and the H1N1 swine flu health crisis. Additionally, even if your policy does not contain such an exclusion, it could be very difficult to prove that you suffered a “direct physical loss” as a result of COVID-19 and the government’s reaction to the pandemic.

Because the current health crisis is unprecedented in the U.S. in modern times, it is uncertain if or how business disruption insurance will cover related losses. That being said, it is unlikely that there will be a one-size-fits-all solution. Filing a claim, even if you believe you may not be covered under your policy, could be very important, as it creates a record of your damages as a result of the government-mandated business shut downs and partial closures.

We Are Here to Help

At Aizenman Law Group, we understand that this is an incredibly difficult time for everyone, including local small business owners. Your livelihood may be at risk, and our Tulsa business disruption claims attorneys are here to help. If you have any questions about your business interruption insurance policy or your various options for relief, please do not hesitate to contact our firm. We can answer your questions, review your policy, and provide the professional legal counsel or representation you need.

Call our office at (918) 215-8856 today.

Our Testimonials

The Opinions that Matter Most
  • The best attorney that we have ever dealt with.

    “Dan helped my husband and me after my husband got into a really bad wreck. Dan was always very helpful and available anytime we had a question. He is the best attorney that we have ever dealt with.”

    - Kacy
  • He is definitely the attorney you want in your corner fighting for you.

    “Peer review. Attorney Aizenman is very knowledgeable and respected in the legal community. He is definitely the attorney you want in your corner fighting for you.”

    - Harold E.
  • I was able to call him with any questions I had.

    “Daniel went above and beyond he was on top of everything from day one that he started working with me. I was able to call him with any questions I had. He is a great lawyer to have I would recommend ...”

    - Heather
  • Excellent attorney and staff.

    “Daniel and his paralegal Lisa were absolutely amazing when it came to helping me with all my medical bills after my car accident! Daniel was great about texting anytime he had an update on the case! ...”

    - Anonymous
  • Professional, Kind & Helpful!

    “After I was injured in a car wreck last July, I reached out to Daniel Aizenman for help. Daniel immediately expressed his concern for my well-being and assured me that everything would be okay. In the ...”

    - Morgan

Our Results

Representative Settlements
  • $995,000 Bad Faith (Wrongful Claim Denial)
  • $950,000 Medical Malpractice
  • $800,000 Bad Faith (Wrongful Claim Denial)
  • $450,000 Motor Vehicle Collision
  • $350,000 Bad Faith (Wrongful Claim Denial)
  • $340,000 Workplace Sexual Harassment
  • $200,000 Motor Vehicle Accident
  • $150,000 Motor Vehicle Collision
  • $130,000 Motor Vehicle Accident
  • $110,000 Bad Faith (Wrongful Claim Denial)

Why Hire Aizenman Law Group?

  • No Fees Unless & Until We Win

    We take each case seriously, and will not ask for fees or costs until we win your case.

  • Willing to Fight for Our Clients

    No matter the size of their case, we are committed to providing clients with care and attention.

  • Always Prepared to Go to Trial

    While other firms are quick to settle, we are always prepared to go to trial, if necessary.

  • Successful Verdicts & Settlements

    Our firm boasts an extensive track record of successful advocacy for the injured.

  • Available & Accessible Legal Team

    We are available 24/7/365 to take your calls and offer flexible hours and scheduling.

  • Former Insurance Defense Attorneys

    As former defense attorneys, our team possesses valuable insight into insurance company tactics.

Contact the Firm If you feel you have suffered from a serious accident or tragedy, 
please contact Aizenman Law Group today.