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.


Need a Lawyer?

We are here 24/7 to address your case. You can speak with a lawyer to request a consultation.


Get started with a free consultation

Recent Case Results

$1.6 Million

Car Accident

An elderly woman was struck exiting her vehicle resulting in serious leg injuries. Our team was able to obtain a settlement for $1.6 million from the insurance companies.


$1.25 Million

Head on Collision

Our client was involved in a head on collision that broke both of her legs. Our car accident lawyers obtained a $1.25 million settlement from the insurance company.


$1.3 Million

Neck Fracture

A 21-year-old male was injured as a passenger in a motor vehicle accident. As a result he received a fractured neck. Our accident lawyers were able to settle the case prior to trial for $1.3 million.


FAQ About Business Interruption Insurance

What is covered by business interruption insurance?

How is business interruption insurance calculated?

How long does business interruption insurance last?




Get the help you deserve


Call NOW for a free consultation


Diamond & Diamond Ontario Head Office

255 Consumers Road, 5th Floor, Toronto, Ontario

>> Learn More

Diamond & Diamond Alberta Head Office

4246 97 Street NW, Unit 103, Edmonton, Alberta

>> Learn More

Diamond & Diamond British Columbia Head Office

1727 West Broadway, Suite 400, Vancouver, British Columbia

>> Learn More


168 Bayfield Street


1331 Macleod Trail SE, Suite 645


2713 14 St SW


600 Crowfoot Crescent NW #240


4246 97 Street NW, Unit 103


256 Pall Mall St, Suite 102

Oakville / Mississauga

2939 Portland Drive, Suite 200


50 Richmond Street E, Unit # 108 B


955 Green Valley Crescent, Unit 315


31 Larch Street, Unit 300


1104 – 13737 96 Ave, Surrey, BC V3V 0C6


255 Consumers Road, 5th Floor


1678 Bloor Street, Suite 302


1727 West Broadway, Suite 400


13158 Tecumseh Rd. E. Unit 3B