Business Disruption

Protecting Local Small Business Owners from Unexpected Disruptions

Unexpected events, from natural disasters to economic shifts and global pandemics, can bring local small businesses to a complete halt. Small business owners in Tulsa and across Oklahoma must know how to maintain operations during a crisis if they wish to remain in business. Many who have been forced to shut their doors or limit their operations temporarily turn to their insurance policies to see if their losses are covered by business disruption insurance. When that happens, our Tulsa business disruption claims attorneys are here to help protect your business and fight for the coverage you deserve.

If you are a business owner affected by unexpected disruption, the insurance claim attorneys at Aizenman Law Group are here to protect your business from wrongful claim insurance denials that can put you out of business for good. We know the typical challenges small business owners face and understand how unexpected disruptions compound these challenges.

Our Tulsa insurance claim lawyers can review your business interruption policy at no cost. We aim to help local and small business owners during times of uncertainty.

Because no two insurance policies are 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 insurance claim attorney.

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

Understanding Business Disruption Insurance

Business disruption insurance aims to protect business owners in the event of certain covered “perils.” While the exact language of your business disruption policy will differ slightly from the next, most business disruption policies cover similar damages. When a covered peril results in a direct physical loss, the business owner can typically collect compensation for their damages by filing a business disruption claim.

Covered perils may 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, our insurance claim attorneys 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. For instance, if your business suffers roof damage from an Oklahoma tornado, our insurance roof claim attorneys can help you determine if your policy covers such damage or what other legal options you may have for compensation.

Understanding Common Policy Exclusions?

So, the big question is: Does business disruption insurance cover all unexpected disruptions? It depends.

As mentioned, coverage depends on policy specifics. A recent example is COVID-19 pandemic that ravaged may local small businesses. While a global pandemic may seem like a clear-cut example of when business disruption insurance should kick in, many business disruption policies had 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 did not contain such an exclusion, proving that you suffered a “direct physical loss” due to COVID-19 and the government’s response was tough.

Likewise, no one expect a flood or fire to halt business operations. However, many business disruption policies exclude flood and fire damage, which often require separate policies. If a fire damages your business’s infrastructure, you may need the help of an insurance fire claim attorney to get the compensation you need. In the event of a flood, an insurance flood claim attorney can review your disruption insurance to see what coverage options are available.

We Are Here to Help

The insurance claim attorneys at

Aizenman Law Group, understand that unexpected business disruption can wreak havoc on your business and family, especially in the case of wrongful claim denial. With your livelihood on the line, our Tulsa insurance claim lawyers are ready to fight for the coverage you need to survive. If you have any questions about your business interruption insurance policy or believe you are a victim of wrong denial insurance tactics, contact our firm. Our insurance claim attorneys will answer your questions, review your policy, and provide the professional legal counsel or representation you need.

Call our office at 918-215-8856 today.