WE ARE

BIG

The Business Interruption Group is a coalition of thousands of businesses, employing millions in every sector of the Economy. We band together to form the BIG nonprofit to INSIST INSURERS PAY OWED BUSINESS LOSSES CAUSED BY THE CORONAVIRUS.

Business OWNERS ACROSS THE COUNTRY HAVE PAID PREMIUMS to safeguard the livelihood of their employees in the case of a Civil Authority Shutdown. Insurers are withholding this coverage and putting tens of millions on unemployment lines in every sector of the economy.

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A picture of an empty Times Square has spread around the world. This is what it looks like when the foundation of entertainment, restaurant, media and hospitality in North America stops. This is a symbol of every town center in America.

TIM TOMPKINS, PRESIDENT OF THE TIMES SQUARE ALLIANCE
THE LARGEST BUSINESS ALLIANCE AND BIG PARTNER

TOGETHER WE WILL NOT ALLOW THE INSURERS TO ABANDON EVERY SECTOR OF THE ECONOMY:

THE RESTAURANT INDUSTRY

AMERICA’S LARGEST PRIVATE SECTOR EMPLOYEr

15.6
MILLION

We provide jobs to 15.6 million Americans.

$1
TRILLION

We contribute over $1 trillion to the economy annually.

4% GDP

We represent over 4%
of GDP.
Are you a restaurant owner affected?
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FOUNDING MEMBERS

WOLFGANG
PUCK

BIO

DANIEL
BOULUD

BIO

EDOUARDO
JORDAN

BIO

DOMINIQUE
CRENN

BIO

STEVE
SALIS

BIO

THOMAS
KELLER

BIO

CAT
CORA

BIO

JEAN-GEORGES
VONGERICHTEN

BIO

JÉRÔME
BOCUSE

BIO

FOUNDING MEMBERS

WOLFGANG PUCK

BIO

DANIEL BOULUD

BIO

EDOUARDO JORDAN

BIO

DOMINIQUE CRENN

BIO

STEVE SALIS

BIO

THOMAS KELLER

BIO

CAT CORA

BIO

JEAN-GEORGES VONGERICHTEN

BIO

JÉRÔME BOCUSE

BIO

THE HOSPITALITY INDUSTRY

supports 1 in 25 american jobs

8.3
MILLION

We provide jobs to 8.3 Million Americans

$686
BILLION

We contribute nearly $660 Billion to U.S. GDP (3.1%)

$395
BILLION

We support a total of $395 Billion in wages, salaries and other compensation.
Work in the hospitality industry and want to get involved?
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OUR PR STRATEGY

tell the truth

Mark Twain is credited with the phrase “A lie can travel halfway around the world before the truth can get its boots on.”

Carriers are spreading deceptive propaganda to deceive policyholders about their coverage in the hope that people give up and rely upon federal bailout programs that seldom work.

Here are the most common Industry lies about BI coverage for Covid 19:

  1. All policies have a virus/pandemic exclusion.
    FALSE!
    Many policies have no virus or pandemic exclusion. Others have lower limit communicable disease or pollutant clean up coverage. On these policies Full Civil Authority Coverage is immediately owed.
  2. The virus does not cause property damage.
    FALSE!

    The industry is denying that the virus is sticking on surfaces causing a dangerous property condition and loss. This is factually and legally untrue – the virus is creating a dangerous property condition.
  3. The insurance industry cannot afford it!
    FALSE!
    By their own numbers, Insurers have over 822 Billion dollars in cash reserves, and on top of that they have insurance on what they owe. And insurers that provide insurers insurance, they have insurance! Instead of paying amounts they owe, carriers are taking a mountain of cash and are handing it to Lobbyists and Lawyers to fight us.
SEE HOW YOU CAN HELP

“Sadly, just when Chubb is needed most, it has breached our trust and the trust of our committed global supporters. By denying the protection we paid for, they have halted and harmed our work.”

RABBI MARVIN HIER, SIMON WIESENTHAL CENTER

“Sadly, just when Chubb is needed most, it has breached our trust and the trust of our committed global supporters. By denying the protection we paid for, they have halted and harmed our work.”

RABBI MARVIN HIER

OUR LEGAL STRATEGY

The BIG initiative launched the first Covid 19 lawsuit on March 16, 2020, to have a court declare that Civil Authority shutdowns trigger BI policies. BIG encompasses business leaders from the largest sector of the economy and we are banding together for strategic legal action:

“Coverage is owed immediately on any BI policy that does not include a clear virus exclusion. BIG is banding together with leaders in every industry to launch BIG strategic legal actions against carriers who deny coverage by failing to acknowledge the dangerous impact the virus causes to property. Carriers that are taking this position will be punished for destroying livelihoods and putting millions on unemployment lines. We are willing to support federal subsidies for insurers who cooperate with us, but the window for a solution is closing fast.”

JOHN HOUGHTALING

JOHN HOUGHTALING

GENERAL COUNSEL

“Coverage is owed immediately on any BI policy that does not include a clear virus exclusion. BIG is banding together with leaders in every industry to launch BIG strategic legal actions against carriers who deny coverage by failing to acknowledge the dangerous impact the virus causes to property. Carriers that are taking this position will be punished for destroying livelihoods and putting millions on unemployment lines. We are willing to support federal subsidies for insurers who cooperate with us, but the window for a solution is closing fast.”

JOHN HOUGHTALING

JOHN HOUGHTALING

GENERAL COUNSEL

OUR POLITICAL STRATEGY

Within two weeks, BIG gathered the attention of President Trump.
On March 29th, he pledged his support to BIG and stated in a press conference: “You have people that have never asked for business-interruption insurance, and they’ve been paying a lot of money for a lot of years for the privilege of having it . . . And then when they finally need it, the insurance company says, ‘We’re not going to give it.’ We can’t let that happen.”
We are not against carriers, we need insurance to work. Some carriers are making frivolous denial, others may have good faith disagreements about coverage. BIG is advancing Federal Legislation in a public/private compromise with insurers for the funding of all policies.
VIEW OUR PROPOSED BILL