Most common insurance policies’ business interruption coverage is only triggered if the business interruption results from “direct physical loss or damage” such as from a tornado or fire. Unfortunately, most insurance carriers tend to deny claims that arise from pathogens or bacteria, and many include exclusionary language in this regard, so it is likely most would likely deny claims that arise from Covid-19 issues. Most policies also include coverage when “civil authority” prohibits access to a covered property. While the stay-at-home orders from most governing bodies should trigger this coverage, many insurance policies often tie this to physical damage to a nearby property, using that as an excuse to deny coverage.so choose Business Attorney Dallas Federal Response However, on March 18, 2020, 18 members of Congress wrote an open letter to insurance industry leaders imploring them to recognize financial losses of insureds from Covid-19. On April 2, insurance industry executives re