The quick answer is not likely. Before business income responds, there must be damage to property leading to the cessation of a business. This requirement applies to business income dependent property losses (supply chain) and civil authority losses covered by business income policies. Additionally, there are specific property exclusions applicable to viruses that may (generally will) apply.
However, only the insurance carrier can determine whether a claim is covered or not. If you wish you can submit a claim directly to your carrier by obtaining the claim contact information available from our website or you can call our office at 406-587-5111 and we will submit it for you. You will need your policy number if you submit a claim directly to the carrier.
Our advice is to maintain detailed financial records of your business during the period of time you are shut down or have reduced operations. There is the possibility that the federal government could pass legislation to assist business owners for their losses and those with good record-keeping will stand a better chance of being reimbursed for their loss.
