At the time of the pandemic and clearly for a period of time afterwards, a successful Business Interruption claim could have provided a lifeline for businesses from the financial fallout of the pandemic.

If you are entertaining the notion of making a claim right now, then at least you could say that you made it. But if you turn the clocks back and think of the financial hardship, the emotional stress and confusion that beset you, why not claim now? The landscape has changed somewhat, so even if you were turned down before, is it not worth having another shout?

Don’t leave it too late – start your claim now.

This could be the last chance saloon as the time allowable for claims to be submitted counts down.

Challenges with COVID-19 Claims

When businesses began filing Business Interruption claims due to pandemic-related closures, insurers often denied them, citing reasons such as:

Policy Exclusions: Many policies excluded coverage for pandemics or infectious diseases. Ambiguous Wording: Terms like “occurrence,” “denial of access,” or “insured damage” were interpreted narrowly. Evidentiary Burden: Insurers required specific proof of COVID-19 at or near the premises, which was often difficult to provide.

These rejections left business owners disheartened, but recent legal rulings have turned the tide in favour of policyholders.

Now is the time to check your eligibility