COVID-19 Injury Lawyers

Philadelphia Restaurants File Class Action For Business Interruption Coverage

Posted September 7, 2020

As many businesses have struggled to attain business interruption coverage since the onset of COVID-19, Philadelphia restaurant owners have banned together to file a class action lawsuit against Allianz SE.

According to the lawsuit, Tria WS LLC et al. v. Allianz Global Risks US Insurance et al., “Plaintiffs reasonably expected the claims for loss of business income and extra expenses arising from the inability to use their physical locations would be paid unless specifically and unambiguously excluded.”

The restaurants involved include Tria Café, Alaska Café, and Tria Taproom. It was filed in the US District Court in Philadelphia on August 25, 2020. Restaurants were forced to close in March due to the pandemic and reopened in June, at limited occupancy, but with the same overhead costs.

Though they believed their business interruption insurance would cover these losses, at least in part, they soon found out it was not the case. Unfortunately, they are not the only businesses feeling that financial strain.

For those businesses across the United States still struggling to attain business interruption coverage, there are options.

What To Look For In Your Policy

All policies are different; however, there are a few things to look for in your policy:

  • Lost profits: Measured by previous months
  • Fixed costs: This includes costs such as operating expenses including rent, utilities, etc.
  • Payroll expenses: Employees’ wages and other payroll expenses

While terms like this may seem cut and dry, insurance providers often find loopholes to avoid paying out to businesses. But you don’t have to stand for it.


If you have been denied business interruption coverage, the time to act is now. Your small business is the backbone of the American economy. Don’t let the greed of insurance companies stop you from reaching your potential.

Contact our nationwide COVID-19 insurance attorneys today. We fight for your business, your family, and you.