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March 17, 2020

During the coronavirus response in the United States, more businesses are temporarily closing or slowing operations.  A local example occurred here in Salt Lake on the morning of March 16, 2020, when Salt Lake County ordered the closure of dine-in services for restaurants and bars. While Parsons Behle & Latimer is fortunate to have capabilities that allow its employees to continue working remotely, that is not an option for every business.  

Should your business be forced to close or slow operations in order to help contain the virus, check your comprehensive insurance package or your property/casualty policy to see if it contains business interruption coverage. This coverage can provide compensation for lost business income during your business stoppage or slowdown, up to the coverage limits. 

As with all types of insurance coverage, what one company’s policy covers may be different from what a neighboring business’s policy covers. The portion of the policy that addresses business interruption coverage typically defines when the period of loss begins and when it ends. The amount your business will be paid by your insurer may be based on past performance, which the insurance company may gauge by reviewing past financial records.  

If you currently do not have business interruption coverage, consider purchasing it for future disasters. According to infectious disease experts, with the advent of megacities in recent decades, the potential for similar viruses to develop is a continuing global concern.  

Parsons Behle & Latimer’s insurance coverage lawyers have experience in examining clients’ current policies to advise you on whether a given loss should be covered as well as in counseling businesses on the types and amounts of insurance coverage they should consider buying based upon the client’s specific risks.  

To discuss this or other related matters, contact Julianne Blanch or Zack Winzeler at (801) 532-1234 or send an email to or to