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There can be no doubt that our lives are fundamentally different now than they were in March of this year. Virtual Zoom meetings have become the norm. We eat take-out rather than dine in. We shop online rather than visit brick-and-mortar stores. Many businesses here and all over the country are feeling the effects of this pandemic and many may not survive. Understandably, businesses are looking at ways to stem the tide of mounting losses and are looking to their all-risk insurance policies for help. Most of these claims, however, have been or likely will be denied and, as a result, hundreds of businesses all over the country are filing lawsuits against their insurance carriers.

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