Business Interruption Insurance

Businesses across Canada are feeling the loss at all levels including restaurants, bars, entertainment venues, schools, charitable organizations and professional service providers.

Has Your Business Interruption Insurance Claim Been Denied?

Recent media updates have indicated insurers are not ready to payout claims for business interruption insurance caused by COVID-19. The WHO officially designated the recent outbreak a pandemic just last week. This qualification means hard working Canadians may rely on this coverage to keep their business afloat during the work stoppage.

Even after the virus persists in an area, re-contamination could occur again and extend your period of coverage. It is essential that every business owner full understands what they are entitled to under their business insurance policy.

Professional Service Provider or Business Owner?

Contact us for a free analysis today to determine if you are eligible for Business Interruption insurance coverage.

What is business interruption insurance?

Business interruption insurance is a type of insurance that covers the loss of income that a business suffers after a disaster. The income loss covered may be due to disaster-related closing of the business facility or due to the rebuilding process after a disaster.

Many professional services companies have clauses in their coverage which allow for coverage in the event of a pandemic.

These could include but are not limited to:

  • Doctors
  • Lawyers
  • Accountants and Accounting firms
  • Dentists

“This is classic insurance tactics,” said Jeremy Diamond, Senior Partner at Diamond and Diamond Lawyers. “Hours after the government took steps to protect its citizens, they were pushing a media narrative that indicated they would be denying claims on a large scale.”

While not all insurance policies include extra coverage for pandemics, thousands of businesses across the country are eligible for business or supply chain interruption payouts. Manufacturers are shutting doors and business continuity may be affected into as late as fall. While the government is taking steps to mitigate against economic loss it may not be enough to lessen the fallout.

If your business model has been interrupted your insurance may cover:

  • fixed costs
  • supply chain losses
  • payroll losses
  • loan payment losses
  • revenue losses
  • relocation costs
  • physical loss/damage or destruction
  • miscellaneous incurred expenses

“Every policy is different so it’s important that a lawyer combs through your policy and analyzes the facts and policy language,” said Sandra Zisckind, managing partner at Diamond and Diamond Lawyers.

According to

Policies may provide coverage for business income loss due to interruptions in the supply chain through contingent business interruption coverage (i.e., customers, suppliers) or dependent property coverage (i.e., manufacturers, locations that accept products). The reason for this interruption must be due to a covered cause of loss.

Under the “civil authority” coverage, if a government agency prohibits access to the business’s premises, the resulting business losses may be covered. This clause usually requires that a covered cause of loss cause damage to another property within a certain distance from the insured business.

Are you a professional service provider or owner of a business in Canada? You may be entitled to coverage under your policy.

Contact our firm for a free analysis today to determine if you are eligible for Business Interruption insurance coverage.

Our firm has experience taking on big insurers who have denied legitimate claims to their policy holders.

Professional Service Provider or Business Owner?

Contact us for a free analysis today to determine if you are eligible for Business Interruption insurance coverage.


Recent Case Results


Brain Injury

Bicycle Accident settled without the need for Trial.



Accident Benefits

Head on Collision settled without the need for a tribunal hearing.


$1.0 Million

Motor Vehicle Accident

Serious motor vehicle accident. Our paralegals were able to obtain settlement with accident benefits insurer without involving the Tribunal.



Diamond & Diamond Ontario Head Office

255 Consumers Road, 5th Floor, Toronto, Ontario

>> Learn More

Diamond & Diamond Alberta Head Office

4246 97 Street NW, Unit 100, Edmonton, Alberta

>> Learn More

Diamond & Diamond British Columbia Head Office

1727 West Broadway, Suite 400, Vancouver, British Columbia

>> Learn More


17 Poyntz Street


341 Parkhurst Square, Suite 5


4720 Kingsway Suite 2600


1331 Macleod Trail SE, Suite 420


4246 97 Street NW, Unit 100


34 Greensboro Dr 2nd Floor


105 Main Street East, Suite 1500


1631 Dickson Avenue Suite 1100


8661 201 Street, 2nd Floor


256 Pall Mall St, Suite 102


2155 Leanne Blvd #113


50 Richmond Street E, Unit # 108 B


955 Greenvalley Crescent, Unit 315


5811 Cooney Road Suite 305 South Tower


144 Elm Street, Suite 201

Thunder Bay

278 Algoma Street South


255 Consumers Road, 5th Floor


1727 West Broadway, Suite 400


13158 Tecumseh Rd. E. Unit 3B