WE ARE
BIG
The Business Interruption Group represents thousands of businesses, employing millions of Americans across every sector of the economy.
As businesses struggle to survive amid the COVID-19 pandemic, we continue to fight for fair and equitable solutions that will ensure small and mid-size businesses receive the insurance coverage they need in order to keep their doors open.



WHAT IS AT STAKE
Thousands of small and midsize businesses across the country are struggling as COVID-19 ravages the American economy.
BIG represents thousands of business owners who are fighting to keep their doors open and save millions of jobs across all sectors of the economy.
Without the critical safety net provided by federal legislation like the Business Interruption Relief Act of 2020, thousands of businesses across the country and in every sector of the economy will be forced to close their doors permanently, dealing a devastating blow to millions of American workers.
American businesses are resilient. We will get through this. But in order to survive, we must enact policies on the federal level that ensure business owners receive the insurance coverage they so desperately need – and have paid for.
Business owners across the country have paid premiums to safeguard the livelihood of their employees in the case of a Civil Authority Shutdown. By withholding this coverage, insurers are putting tens of millions on unemployment lines in every sector of the economy.

OUR INDUSTRIES SUPPORT
23.9
MILLION JOBS
We provide jobs to 23.9 Million Americans
$1.6
TRILLION
We contribute over $1.6 Trillion to the American Economy.
4.5%
GDP
We represent over 4.5% of the USA’s GDP

ABOUT THE BUSINESS INTERRUPTION RELIEF ACT
The Coronavirus pandemic and related quarantine and shutdown measures have created confusion and uncertainty for many businesses that have purchased business interruption insurance.
Specifically, many of these business interruption policies simultaneously cover costs incurred due to civil authority shutdowns while excluding costs stemming from viruses. This creates a gray area for businesses, many of whom would have to take insurers to court to receive any payout. H.R. 7412, the Business Interruption Relief Act of 2020, creates a voluntary program that will:
- Encourage insurance experts and businesses to settle key disputes over business interruption insurance coverage, helping make available policy benefits for losses associated with the Civil Authority Shutdowns from COVID-19.
- Help businesses that are working hard to follow local guidance and keep their doors open over the long term get their claims honored, cut through the red tape of litigation, and support our economic recovery.
Create a voluntary program for insurers, in which insurers can choose to pay out claims to these businesses and be reimbursed by the federal government. This would simultaneously provides a boost to businesses of all sizes with business interruption insurance coverage and prevent potentially years of costly litigation.
- Apply to businesses with business interruption insurance that includes civil authority shutdowns but excludes virus-related damages.

“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
GENERAL COUNSEL
“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
LATEST NEWS
- Restaurants, bars and other merchants battle over pandemic coveragehtzjc2020-07-28T20:00:37+00:00
Restaurants, bars and other merchants battle over pandemic coverage
- Struggling merchants, insurers battle over pandemic coveragehtzjc2020-07-28T19:59:05+00:00
Struggling merchants, insurers battle over pandemic coverage
- Minor league baseball teams the latest to sue insurance companies for failing to pay business interruption insurancehtzjc2020-07-09T17:58:06+00:00
Minor league baseball teams the latest to sue insurance companies for failing to pay business interruption insurance
- Federal Biz Interruption Bill Backed by Plaintiffs Group Introducedhtzjc2020-07-08T03:04:00+00:00
Federal Biz Interruption Bill Backed by Plaintiffs Group Introduced
- NYC Businesses Say Insurance Companies Shafted Them on COVID Claimshtzjc2020-07-08T03:03:11+00:00
NYC Businesses Say Insurance Companies Shafted Them on COVID Claims
- Times Square will go dark for one minute so businesses can shine light on their fight to get insurance moneyhtzjc2020-06-06T02:06:28+00:00
Times Square will go dark for one minute so businesses can shine light on their fight to get insurance money
- In-N-Out Burger hits Zurich over nine-figure policyhtzjc2020-06-06T01:59:57+00:00
In-N-Out Burger hits Zurich over nine-figure policy
- In-N-Out sues insurer for business interruption coveragehtzjc2020-06-06T02:00:25+00:00
In-N-Out sues insurer for business interruption coverage
- N.O. attorney takes on the insurance industry over business interruption coveragehtzjc2020-06-06T01:55:36+00:00
N.O. attorney takes on the insurance industry over business interruption coverage
- Times Square billboards went dark for one minute to show support for struggling restaurants and hospitality businesseshtzjc2020-06-06T01:51:15+00:00
Times Square billboards went dark for one minute to show support for struggling restaurants and hospitality businesses
- ABA Board Member Chris Morrow Speaks at House Small Business Committee Forum about Business Interruption Coveragehtzjc2020-06-06T01:45:54+00:00
ABA Board Member Chris Morrow Speaks at House Small Business Committee Forum about Business Interruption Coverage
- French insurer ordered to pay restaurant’s coronavirus disruption claimhtzjc2020-06-06T01:41:16+00:00
French insurer ordered to pay restaurant’s coronavirus disruption claim
- Lawmaker Details Federal Reinsurance for Pandemic Business Interruption, Event Losseshtzjc2020-06-06T01:23:33+00:00
Lawmaker Details Federal Reinsurance for Pandemic Business Interruption, Event Losses
- Times Square billboards go dark to support coronavirus business interruption claimshtzjc2020-06-06T01:14:19+00:00
Times Square billboards go dark to support coronavirus business interruption claims
- Times Square Billboards Will Go Dark on Wednesday in Support of Restaurants, Hospitality Businesses, and Non-Profithtzjc2020-06-06T01:07:20+00:00
Times Square Billboards Will Go Dark on Wednesday in Support of Restaurants, Hospitality Businesses, and Non-Profit
- Prominent Los Angeles nonprofit that advocates for human rights and fights anti-Semitism sues Chubbhtzjc2020-05-01T04:02:47+00:00
Prominent Los Angeles nonprofit that advocates for human rights and fights anti-Semitism sues Chubb
- Simon Wiesenthal Center sues Chubb to ensure coronavirus insurance coveragehtzjc2020-05-01T04:01:13+00:00
Simon Wiesenthal Center sues Chubb to ensure coronavirus insurance coverage
- Insurance companies are refusing to pay for restaurants’ pandemic losseshtzjc2020-05-01T03:58:02+00:00
Insurance companies are refusing to pay for restaurants’ pandemic losses
- The Legal Fight Between Insurers and Businesses Is Expandinghtzjc2020-04-29T22:28:56+00:00
The Legal Fight Between Insurers and Businesses Is Expanding
- Simon Wiesenthal Center sues insurance giant in latest fallout over coronavirus claimshtzjc2020-04-29T22:29:24+00:00
Simon Wiesenthal Center sues insurance giant in latest fallout over coronavirus claims
- VIDEO: As pandemic hits restaurants hard, some chefs sue insurers over denied claims: “We need help”htzjc2020-04-17T23:11:37+00:00
VIDEO: As pandemic hits restaurants hard, some chefs sue insurers over denied claims: “We need help”
- Trump Tells Insurers to Pay Virus Claims If Pandemics Not Excludedhtzjc2020-04-16T03:51:15+00:00
Trump Tells Insurers to Pay Virus Claims If Pandemics Not Excluded
- Downtown’s Proper 21 Sues for Coronavirus Insurance Coveragehtzjc2020-04-16T03:49:14+00:00
Downtown’s Proper 21 Sues for Coronavirus Insurance Coverage
- Business Insurance Will Not Cover Coronavirus Closureshtzjc2020-04-16T03:47:28+00:00
Business Insurance Will Not Cover Coronavirus Closures
- South Philadelphia restaurant River Twice sues insurance company to cover coronavirus losseshtzjc2020-04-16T03:45:58+00:00
South Philadelphia restaurant River Twice sues insurance company to cover coronavirus losses
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