COVID-19 Business Litigation


COVID-19 – Business Interruption Insurance Claims

Due to COVID-19, businesses across Canada have been forced to shut down or significantly reduce their operations. Although many businesses have Business Interruption Insurance, making a claim under these policies can be difficult. The first step is to understand your particular insurance policy, including the type of policy, specific coverages, and exclusions. Your policy may also include coverage for contingent business interruption (when you cannot operate your business due to supply chain interruptions) or closures due to Civil Authority (when the government orders your business to close). The most common challenge to making a claim due to COVID-19 is that these policies require “physical loss or damage”, and your insurance company may argue that they are not responsible for paying out your claim because COVID-19 has not caused any physical loss or damage. However, the legal meaning of “physical loss or damage” has not yet been settled by the courts, and there are some cases that interpret the meaning in a way that could include losses caused by COVID-19.

You pay every year for Business Interruption Insurance and expect to be protected when you are unable to continue normal operations. If you have been denied coverage under a policy of Business Interruption Insurance during COVID-19, you may have a claim. Contact our law firm in Calgary today for a free consultation and policy review. Because we work on a contingency basis, there are no fees until the conclusion of your case.

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I was involved in a serious life-threatening incident while in the care of a hospital. Grover Law Firm represented me in a medical malpractice law suit against some of the biggest medical institutions in Alberta. I was grossly outmatched by the defendant’s financial resources and medical expertise. Fortunately, my lawyer thoroughly investigated my case and was able to identify the specific party at fault amidst a complex medical institution. I was able to achieve a fair settlement against one of the biggest medical facility in Alberta.

R.S Calgary, AB

Grover Law Firm achieved the compensation that I needed for the brain injury I suffered in a car accident, and it was a pleasure working with them.

D.R Calgary, AB

I was involved in a front end collision and was told by the insurance company that my injuries are capped by law to a minimal amount. I was initially hesitant to pursuit a law suit as i thought my injuries would quickly resolve. I am not the type of person to complain, but as my injury lingered on from weeks to months, I find it started to affect my work and livelihood. My father referred me to Steve Grover who took on my case. He carefully reviewed my medical records and found an MRI report that points to a more serious injury. My lawyer presented the medical evidence in Judicial Dispute Resolution, and I was able to settle my case for many times the defendant’s initial offer without going to trial.

S.T Calgary, AB