NOTE:

In order to ensure the safety of our employees and their families, we ask that if you present any symptoms of sickness or illness or if you have traveled outside of the United States within the past 14 days, please refrain from entering the building.  We will be happy to assist you via phone or email.  A drop slot is located adjacent to the door for you to drop any cash or check payments.  We appreciate your cooperation to ensure the safety of our staff.

Business Interruption Insurance and the COVID-19 Pandemic

The Georgia Dept of Insurance recently released Bulletin 20-EX-3 that addresses business interruption insurance and the COVID-19 virus.

In general, business interruption insurance does NOT cover closures due to viruses or disease, unless that coverage is specifically added by endorsement.

Civil authority covers a business in case it is forced to close due to an order from a govermental authority. However, these policies generally require that there has been physical damage either on or near an insured property, so they also would likely NOT cover closures due to an epidemic/pandemic.

Several insurance carriers have indicated they may offer such coverages, and the Georgia Dept of Insurance intends to fast track approval of any of these endorsements, if they are filed.

To read the entire bulletin, please click here.

If you have any questions, please CALL our office at (706) 216-3296

About Dawson Insurance

The first independent insurance agency in Dawson County, Dawson Insurance has a history of excellence since 1964. Located in Dawsonville, Georgia, we also offer unparalleled service and competitive quotes to personal and business insurance clients in Cumming, Gainesville, Alpharetta, and throughout the entire State of Georgia.

(The above article provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions, and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.)