In Florida, many non-essential businesses were shut down due to orders from the Governor and various county governments.

My insured has a Businessowner's policy, with the Hartford. The policy includes $50,000.00 for viruses. Does civil authority prevail without physical damage? Civil Authority is a Coverage Extensions and Additional Coverages.

The Hartford denied the claim.

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis