Have been insisting that business interruption coverage is only paid when there is physical damage to the store or its contents, said Amy Zeman of the Gibbs Law Group, which filed the class action lawsuit for The Gardener. Many insurance policies, including The Gardener’s, also have a “virus exclusion,” clause, meaning no funds need to be paid when a virus is responsible for the decline of a business. These clauses were inserted years ago after there were outbreaks of the SARS virus and the H1N1 flu, she said..
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