HGSK, working with law firms across the state, has filed class actions and individual
claims against numerous insurers seeking recovery of damages, losses and expenses incurred by individuals and businesses which have been forced to close or curtail business operations as a result of the COVID-19 pandemic and the governmental orders entered in connection therewith. Most Businessowners Policies provide Business Income coverage and Civil Authority coverage for losses caused by events such as the COVID-19 pandemic. However, all insurers are denying these claims as not being covered by these policies. HGSK is at the forefront of the effort to obtain just compensation for these businesses. You must act now to protect your rights.

#1 Do I Have Coverage?

Most Businessowners Policies provide business interruption coverage. The coverage is generally Business Income, Extra Expense and Civil Authority coverage. You must get a copy of your policy and have it reviewed by us.

#2 Why are the Insurance Companies Denying These Claims?

Insurance companies are on your side as long as you are paying premiums. Once you
have a claim, they treat you like a long-lost relative looking for a hand-out. Insurers are claiming that Business Interruption claims require physical damage to the premises. The COVID-19 pandemic has physically affected the properties in question. Some insurers also have virus exclusions which may or may not be applicable. The insurers will not pay unless forced to do so. HGSK is here to protect your rights.

#3 What Should I Do?

First, get a full copy of your policy. Second, call your agent or the company itself and
ask them to open a claim for your business losses. Third, contact HGSK to protect your rights using the form on this page.