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How to File a COVID-19 Business Interruption Claim with Nationwide

Millions of businesses have had to temporarily shut their doors due to the COVID-19/coronavirus pandemic. Some had a small break when regulations across the country eased, but a second wave of restrictions is now underway as COVID-19 cases surge. Shutdowns and sharp decreases in sales for the better part of a year have led to dire financial situations for business owners. Many are turning to business interruption insurance for relief. If you have Nationwide Insurance, find out if you qualify for coverage through your policy.

What Does Nationwide Business Interruption Insurance Cover?

Business interruption insurance is a type of coverage specifically purchased to replace business revenue when a company has to temporarily shut down or reduce its hours of operation. It offers coverage for events such as fires, wind, hail, property damage and criminal activity. While the business is closed for repairs, renovations or relocation, business interruption insurance through Nationwide can cover many different operational costs. This coverage can keep the business afloat until it can reopen at full capacity.

  • Profits
  • Supplies
  • Mortgage
  • Utilities
  • Payroll
  • Employee hiring and training
  • Relocation
  • Advertising
  • Taxes
  • Loans
  • Extra expenses

If a covered event closes down your business for a period of time, your Nationwide business interruption insurance should cover these costs and more if you have the right type of policy. The purpose of this type of coverage is to prevent your business from having to permanently close its doors after a disaster that interrupts business, such as the pandemic. Depending on the terms and conditions of your policy, you may qualify for insurance coverage for COVID-19-related closures and losses.

What Do I Need to File for Business Interruption Insurance With Nationwide?

Check the language of your business interruption insurance policy to see if viruses and pandemics are covered events. Many business insurance companies have been denying claims related to the coronavirus based on policy exclusions for viruses. If you do not see this type of exclusion or believe you qualify for coverage in spite of an exclusion, gather certain documents to begin building your claim with Nationwide:

  • Your full name and contact information
  • Your policy number
  • Description of the type of loss
  • The date the loss began
  • Invoices and other legal documents showing your income before COVID-19
  • Documents establishing your typical operating costs
  • Any documentation of the impact of COVID-19 on your business

Submit your documentation along with your initial business interruption insurance claim to Nationwide’s processing center. You can submit a claim online or call your insurance agent. The more documentation and evidence you have supporting your claim, the better your chances are of receiving business interruption insurance benefits. Before you accept a settlement or a claim denial, however, contact an attorney for advice. The insurance adjuster may not be handling your claim fairly.

How Can I Contact Nationwide for More Information?

If you wish to learn more about business interruption claims with Nationwide in general or the terms of your specific policy, contact your insurance agent. Most businesses have a specific agent from Nationwide assigned to them for any insurance questions and concerns. You can find the name and phone number of your agent in your policy or on your insurance card. You can also dial (877) 669-6877 to contact Nationwide’s customer service line to find an agent in your location or browse Nationwide’s list of agency locations in Arizona for an office near you. Finally, you can read FAQs on Nationwide’s website for more information.

Let Our Business Interruption Insurance Lawyers Help

Unfortunately, it has been difficult for many businesses in Arizona to file successful COVID-19 business interruption insurance claims with their insurance providers, including Nationwide Insurance. Policy virus exclusions and other loopholes are making it difficult for businesses to obtain the compensation they need to stay open during the pandemic or reopen in the future. For this reason, it is critical to consult an experienced attorney in Phoenix for assistance with your claim. Contact our business interruption insurance lawyers at Surrano Law Offices today to learn more during a free consultation.