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We’ve been writing about COVID-19 and its impact since early last year. One of the largest issues has been the lockdown of businesses to prevent the spread of COVID-19, and the subsequent questions as to whether or not the business’s business interruption coverage should provide any coverage for the period of time when the business was shut down. This question has led to many discussions and over 1,500 lawsuits throughout the country.

Most courts have found for the insurer, that COVID-19 does not physically damage property and that the coverage applies only when the property has been physically damaged and that damage prevents the business from operating. Since this is a reaching issue, the state of New Jersey has passed a law that requires insurers to disclose whether a business interruption policy provides coverage for a pandemic. 

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Hannah Smith

Christine G. Barlow, CPCU

Christine G. Barlow, CPCU, is Managing Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over twenty-five years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Before joining FC&S, Christine worked as an Underwriting Supervisor for Maryland Auto Insurance Fund, and as Senior Underwriter/Underwriter for companies Montgomery Mutual, Old American, Charter Group, and Nationwide. The publications Christine has written or edited include Personal Lines Unlocked: The Key to Personal Lines Underwriting, Personal Lines Endorsements Coverage Guide, Commercial Flood Insurance Coverage Guide, Personal Flood Insurance Coverage Guide, Homeowners Personal Lines Coverage Guide 5th Edition, Personal Umbrella Coverage Guide 2nd Edition, and Condominium Coverage Guide 2nd Edition, all published by the National Underwriter Company. Christine regularly writes for Claims Magazine and National Underwriter Magazine. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter. Christine graduated cum laude from Towson University, Maryland, with a degree in Sociology/Psychology with a concentration in Gerontology.

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