Archives for June 11, 2020

I Have Business Interruption Insurance. Can I Recoup My Businesses’ Financial Losses as a Result of COVID-19?

Everyone who has ever opened up their own business knows that you can’t run a business without taking risks. To eliminate or mitigate this risk, however, business owners purchase insurance. One type of insurance a business may, and should, purchase is “Business Interruption Insurance” – which replaces lost income and extra expenses when business operations are involuntarily suspended, interrupted, curtailed, or when access to the premises is prohibited because of direct physical loss or damage to the property, or by a civil authority order that restricts or prohibits access to the property. This coverage is standard in most all-risk commercial property insurance policies.

Haeggquist & Eck, LLP is representing businesses who have purchased business interruption insurance as part of their commercial property and have had their claim for losses denied. ABC News recently spoke to our firm and our client about these claims. You can view the news clip and article here.

When the coronavirus pandemic hit, business owners who have been paying premiums for this coverage let out a big sigh of relief, reasonably believing their business losses would be covered. The insurance companies, however, have categorically denied their claims, typically with no good faith investigation into their claims. As such, businesses are now filing suit, asking courts to require insurance companies to abide by the language of the policies and provide coverage to their policyholders.

As months pass without any financial help from insurance companies, businesses struggle to stay afloat. Marc Bennett of Pappy’s Barber Shop here in San Diego has had to dip into his savings account to keep his business alive. Although Marc’s business is slowly getting back on track, he knows he is in for a tough battle, as evidenced by many of his fellow barbers permanently closing their doors.

WHAT’S NEXT:

Hundreds of business interruption cases have already been filed in the United States and abroad. Because of the common issues of fact and law in these claims, and substantially similar policy language, many of these cases have been brought as class actions.

Additionally, bipartisan groups in Washington D.C. and several states have introduced legislation requiring insurance companies to provide coverage for losses related to COVID-19 for policyholders who purchased business interruption coverage.

Businesses are taking action to get the coverage they paid for. In New York, Times Square went completely dark on May 26th to draw attention to the plight of businesses across the country who are being denied this important coverage – coverage for which they have paid premiums for years.

WHAT YOU CAN DO:

If you have a commercial property insurance policy, you may have business interruption insurance. You may have a claim for coverage even if you have a “virus exclusion” in your policy, or your insurer cites other reasons for denying coverage.

CONTACT US:

Let us help you receive the coverage you paid for. If you would like to receive a free, no-obligation evaluation of your rights to seek insurance coverage for your business’ losses, please contact Haeggquist & Eck, LLP at (619) 342-8000, or contact us online.

Can I Be Fired For Joining the Black Lives Matter Protests?

Assuming you did it on your own time, the answer is no. Employees cannot be fired because they joined the Black Lives Matter protests, or for any other political activity in which they participate.

At the Federal level, and in many states, political affiliation is not one of the traditional “protected classes” of anti-discrimination law. California, however, is among a minority of states that protect political affiliation and activity from workplace discrimination. Although California’s Fair Employment and Housing Act does not prevent employment discrimination on the basis of political affiliation, under California Labor Code §§1101 and 1102, employers may not interfere with or control employees’ political activity.

California’s law protecting political activity dates back to the New Deal era and the organized labor movement, which was growing in political power at that time. But the law is not limited to protecting labor activism and organization. The California Supreme Court has interpreted the law expansively in the intervening years. Under the law, banding together with others in support of a cause can be protected “political activity”; as could expressing support for political reform by a symbolic gesture, such as wearing a pin or an armband, or displaying an appropriate banner.

Based on this interpretation of the law, an employee would be protected from retaliation for marching in a Black Lives Matter protest on his or her own time. The employer could not discriminate against the employee for tweeting about the movement; or for discussing the movement with coworkers during an employee’s rest break. If the employer’s dress code allows t-shirts, the employer could not discriminate against an employee who wore a Black Lives Matter t-shirt to work, and the same goes for pins, posters, or other emblems of the movement. An employee probably cannot walk off the job in order to protest, but if the political activity is otherwise lawful and doesn’t interfere with the employee’s work, it should be protected.

Moreover, because the United States and California Constitutions both protect the right of the people to peaceably assemble and petition for a redress of grievances, terminating an employee for participating in a Black Lives Matter march might also violate the common law prohibition on terminating employees in violation of public policy. If your employer retaliates against you after finding out you joined in the Black Lives Matter protests, contact an employment attorney to protect your rights.

Of course, other, more conventional political activity is protected as well, and actions short of outright termination might also violate the law. For example, an employer could not prevent an employee from wearing a “Feel the Bern” t-shirt, assuming a t-shirt is otherwise allowed by the employer’s dress code. A manager cannot ridicule an employee for being among the tens of thousands of Americans who cast protest ballots for Mickey Mouse or Santa Claus. Without question, an employer cannot fire or threaten to fire an employee because that employee supports a particular cause or candidate. Similarly, an employer cannot refuse to hire a person based on that person’s political beliefs or affiliations.

In an extreme case, where political affiliation discrimination turns violent, California’s hate crime law, known as the Ralph Act, may offer employees even further protection. In California, verbal or written threats of violence, physical assault, graffiti, vandalism, and property damage can be considered hate crimes if motivated by, among other reasons, a person’s political affiliation. If

workplace discrimination on the basis of political affiliation turns violent, or potentially violent, an employer could be liable for failing to act on reports of workplace conduct that would violate the hate crime law.

If you think your employer’s actions may violate California laws protecting political affiliation, you should contact an experienced employment attorney who can assess your situation and advise you on how you might protect your right to political affiliation.

To schedule your free initial consultation, contact us online or call (619) 342-8000 today!

Translate »