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Let a Business Interruption Claim Lawyer Scour Your Policy

Business ownership means wearing a plethora of hats and balancing a seemingly endless number of responsibilities. One of the smartest investments you make in your business is business insurance to cover many different unforeseeable circumstances. One of those is business interruption insurance. According to the Insurance Information Institute, business interruption insurance is intended to protect your business from unexpected closure. When something like the COVID-19 pandemic strikes, and your business is forced to shutter its doors, you should be able to rely on coverage from the business interruption policy you purchased in good faith.

If you applied for coverage in the face of the recent pandemic and your claim was denied, a business interruption claim lawyer in Lafayette can help you fight for the financial compensation you need and deserve. Contact the business services team at Laborde Earles Injury Lawyers to have a team member scour your business interruption insurance policy today and find out what you can do to receive the insurance payout that can help your business thrive.

Understand Your Business Interruption Coverage Parameters

While your policy will have its own set of regulations and coverage parameters, business interruption insurance policies generally provide the following:

  • Payment to cover the income your business loses when forced to close its doors. Many policies will base this dollar amount on past financial records.
  • Payment to cover normal operating expenses that might include rent, utilities, and other expenses that recur even when your business cannot function as normal.

Many policies will have a short waiting period from the date of the forced closure until the date business interruption coverage starts. Your business interruption policy can be as different from the next as one business is from the next. That makes a lawyer who can comb through the fine points of your policy an advocate.

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A Lawyer Can Help Accurately Define Your Losses

When you apply for payment from your business interruption policy, you should be able to accurately calculate your total losses. A misstep in calculations could mean you receive a smaller payout than your business needs and is entitled to. Do you know how to create a financial worksheet that accurately tallies your losses? 

Your lawyer can help you define and assign a value to:

  • Income your business was forced to miss out on
  • Expenses your business was forced to continue paying
  • Other expenditures and financial losses your business sustained

A lawyer can help you define these costs for your business and ensure your losses are fully covered when your business is interrupted by situations and circumstances beyond your control.

Client Testimonials Hear from locals like you.

Renee McCaslin is incredibly knowledgeable, professional, and always goes above and beyond to make the legal process smooth and stress-free. I truly a...

Renee McCaslin is incredibly knowledgeable, professional, and always goes above and beyond to make the legal process smooth and stress-free. I truly appreciate her attention to detail and genuine care for her clients!

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Courtnie Heltz

New Orleans

Stephanie Brooks was wonderful to work with! She was very professional during our interaction and extremely pleasant throughout the entire process. He...

Stephanie Brooks was wonderful to work with! She was very professional during our interaction and extremely pleasant throughout the entire process. Her kindness and clear communication made everything smooth and easy. Highly recommend working with her and the Laborde Earles Law Firm!

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Jenifer Leger Dendy

Lafayette

Courtney Marsh has a positive attitude and great attention to detail in her work!

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Michelle Brouillette is always so pleasant whenever I call or stop by the office. She always has a smile on her face.

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Christine G.

The team at Laborde Earls is extremely helpful and knowledgeable. While I would recommend any team member, I would strongly urge you to speak with Mrs...

The team at Laborde Earls is extremely helpful and knowledgeable. While I would recommend any team member, I would strongly urge you to speak with Mrs. Courtney. I spoke with her multiple times, and each time she was patient and answered every question I had. She made me feel like I was the only client. Grateful for her and Laborde Earls!

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Tracie M.

Each time I interact with a member of the Laborde Earls team I am always extremely satisfied with the service provided. I had the pleasure of speaking...

Each time I interact with a member of the Laborde Earls team I am always extremely satisfied with the service provided. I had the pleasure of speaking with Mrs. Marsh today. She was extremely knowledgeable in addition to being patient and empathetic. She was able to provide me with the necessary resources and provided me with encouragement throughout the process. I definitely recommend Laborde Earls! Ask for Courtney!

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Megan Couvillon

Alexandria

The team at Laborde Earls is extremely helpful and knowledgeable. While I would recommend any team member, I would strongly urge you to speak with Mrs...

The team at Laborde Earls is extremely helpful and knowledgeable. While I would recommend any team member, I would strongly urge you to speak with Mrs. Courtney. I spoke with her multiple times, and each time she was patient and answered every question I had. She made me feel like I was the only client. Grateful for her and Laborde Earls!

T
Tracie Martin

Alexandria

I highly recommend hiring Laborde Earles for your personal injury needs. They have the most professional, friendly and communicative staff who are gua...

I highly recommend hiring Laborde Earles for your personal injury needs. They have the most professional, friendly and communicative staff who are guaranteed to work hard on your case and get the outcome you deserve. Brittani C. is one of the most organized, thorough and helpful paralegals I’ve ever had the pleasure of working with. She keeps you informed and answers all your questions throughout the litigation process.

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Patrick Conner

Baton Rouge

Mr. DC and Amber have always been available to answer my questions and concerns. I have never doubted that they were working on our side and have had ...

Mr. DC and Amber have always been available to answer my questions and concerns. I have never doubted that they were working on our side and have had our best interest and our well being as a priority. I would recommend them to friends and family. My case had some extenuating circumstances and they both worked diligently to help us. I am very thankful for their service and dedication to us.

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Michel Lanclos

New Orleans

Over 1,700 5-Star Reviews

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What a Business Interruption Claim Lawyer Can Do for Your Business

For many business owners, your business is an emotional touchpoint for you just as much as it is an investment in your future and a provider of income for you and your family. When COVID-19 struck the U.S., business owners were faced with the closure of their business at the same time they were charged with protecting the health and safety of themselves, their staff, and their families.

Stress and frustration can make it difficult to navigate the closure of your business. A denial of payment from your insurance provider can only raise your levels of stress and frustration. When that happens, a lawyer can help by scrutinizing your policy, preparing the documents and data that support your claim, submitting required paperwork, and filing an appeal if your initial claim is denied.

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Compile Important Documents That Support Your Claim

Support your claim and equip your lawyer with the tools and documents they need to build a successful claim for financial compensation from your insurance carrier.

Some documents your lawyer may request to help support your claim might include:

  • A detailed copy of your full insurance policy and any relevant riders
  • Copies of any and all correspondence between your business and its insurer
  • Income and loss statements for your business
  • Payroll records and relevant financial spreadsheets

Be prepared to share any and all COVID-19-related paperwork and reports with your lawyer to bolster your claim and prove your loss of income and other damaging effects of COVID-19 on your company. Accurate calculations and a thorough understanding of your policy are important parts of your business interruption claim.

Get Financial Protection for Your Business

Fighting for your business is your right and responsibility as a business owner. That does not mean you should fight alone. A Lafayette business interruption claim lawyer can help you fight for your rights, access the insurance coverage your business deserves, and assign a value to your claim that ensures your financial compensation does not go unpaid or underpaid.

When you are ready to fight for the coverage you put in place to protect your business, contact our team right away. We are excited to help you fight for the business you worked so hard to build and start planning for the future of your business today. Contact Laborde Earles Injury Lawyers today.

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