Protecting Georgia Businesses from Coronavirus Losses: Andersen, Tate & Carr, P.C.

Businesses have lost millions due to COVID-19 closures. Our attorneys help you recover your losses. Contact us now to start today.

Most business insurance policies can cover the costs of mandatory closures in the event of a local, state, or national emergency. Insurers may fight to reduce or deny your coverage. We help you seek compensation for all of your losses and hold your insurance company to their policy language.

COVID-19 Measures Don’t Have to Put Your Business at Risk

While Georgia has attempted to lift restrictions on business operations to minimize the economic impacts of COVID-19, many industries will continue to see losses for months – maybe even years. Depending on the language of your insurance policy, you may be entitled to compensation for your business losses, potentially even after restrictions have been lifted.

Andersen, Tate & Carr, P.C. can assist you with filing your claim, estimating your losses, and enforcing your insurance policy. Navigating the claims process can be stressful and intimidating, especially if insurers want to avoid providing the coverage promised. With our experience, our knowledge of insurance contracts, and our familiarity with contract litigation in general, we can help prevent losses from jeopardizing your business’s financial future.

Your insurance coverage may provide the lifeline you need to stay afloat. We work to help you pursue what you need.

Insurance Companies Denying Coverage

Insurers have a profit-driven motive to deny coverage for your losses for any number of reasons, including Act of God, contract exclusions, and force majeure. Despite what they say, you may still be entitled to business loss coverage.

We Are Contract Experts That Can Interpret Your Policy’s Language

The language of your policy says everything you need to know about what should be covered and what isn’t. Our Georgia business claim lawyers can review your contract and reveal your best options for moving forward.

Let our firm help you keep your business running. We can review your contracts and provide guidance during a consultation. Call 770.822.0900 or email info@atclawfirm.com

DON’T LET AN INSURER TELL YOU YOUR COVID-19 LOSSES AREN’T COVERED

Having a lawyer experienced with business loss claims is the difference between a denial and coverage when you need it most. We help you review your losses, determine what should be covered based on your policy language, and pursue a claim for all applicable damages you have suffered.

If your insurance company refuses to provide a reasonable offer, we will fight for the coverage you were promised when you paid for your policy. Schedule a free consultation over online video or on the phone using the contact button below.

Reaching Out to Georgia’s Industries

Every business has suffered losses as a result of COVID-19 control measures, but some are hurting worse than others. We want to preserve the businesses that make a difference in our neighbors’ lives, day after day.

Our Experience

For over thirty years, Andersen, Tate & Carr, P.C. has provided unflinching legal representation to individuals, injury victims, and businesses throughout North Georgia. We know the strategies insurers use to attempt to deny claims or coerce unfair settlements. We also know the legal arguments and evidence that can make insurers lose in courts.

Work with a Georgia business loss claims attorney team that is not afraid to stand up for your legal rights.

Hotel

Travel bans and stay-at-home orders have paralyzed the hospitality industry. We want to help your business if it has been impacted.

Car Dealerships

Being unable to visit dealer lots and being nervous about large purchases has caused vehicle sales to plunge. We can help you seek recovery for the difference in earnings.

Restaurants

While many businesses have innovated their role to offer takeout and delivery, every foodservice business has suffered. We hold your insurance to their obligation to cover these losses.

Retail

In-person retail is suffering from the same dramatic decline we see across nearly all sectors. If you have encountered losses or excess costs, we can help.

Frequently Asked Questions

What revenues are usually covered?

Most business loss policies apply to net profits (before income taxes) that would have been earned had the disaster or event not affected business. Additionally, operating expenses and incidental expenses caused by the event may be covered.

What expenses can be covered?

Your business insurance may be able to provide coverage for operating expenses, including payroll, rent, utilities, and other costs normally encountered during operations. In addition, your coverage may also apply to expenses incurred specifically to minimize the effects of the event or to restart your business once conditions have improved.

What exclusions typically apply?

Some insurance policies exclude coverage for losses caused by a virus, bacterium, or other microorganisms. However, the language of your policy is what ultimately matters, so you may wish to have an attorney review your policy and determine what exclusions actually apply.

Can I make a claim if I've already applied for an SBA loan?

Yes. The insurance coverage you’ve purchased is separate from the special lending and economic relief programs implemented by the U.S. Small Business Administration. Participating in SBA programs should not affect your ability to enforce your policy’s promised coverage.

What kind of insurance coverage do I need in order to make a claim?

Most business owner’s insurance policies include coverage for property damage and losses caused by a disaster or other event. This potentially includes when a civil authority requires operations to be suspended. The exact provisions of your policy will determine whether or not you have the needed coverage.

What can I do if my insurance company denies my claim?

You can appeal your claim denial, especially if you are able to provide additional documentation of your losses and a policy-based justification for why your claim should be honored. Speak to an experienced claims attorney team immediately, and we can review your policy and work to overturn your insurer’s claim denial.

What kind of losses do I need to trigger coverage?

The necessary conditions for coverage are described in the language of your policy. Typically, you must suffer some form of direct physical loss to a property, or there must be such damage in your area. Some insurers interpret this to mean your building must be damaged, but this may not necessarily be the case.

A business claims attorney can review your policy and determine if your inability to use your property qualifies under your policy language.

Do I need to have building damage before I can file a claim?

The nature of your coverage depends on the language of your policy. Some policies require direct physical damage or losses, but this may not apply to your building itself. The nature of the pandemic and the mandatory closures enforced by state governments may be enough to trigger coverage and allow recovery.