3 OC restaurants included in lawsuit against Farmers Insurance over pandemic losses [The Orange County Register]
A group of restaurants, including three in
The lawsuit, filed by three
The list of plaintiffs includes the
The attorneys claim in the complaint that the business loss caused by the pandemic was akin to losses that resulted from natural disasters, such as earthquakes, hurricanes and fires.
They also claim that health orders issued by the state damaged the restaurants because certain physical spaces became nonfunctional.
However, when the plaintiffs tried to file claims,
The denials have left the restaurants “in dire straits – precisely the situation they sought to avoid when they obtained coverage for loss of business income,” the complaint says. “Insurance coverage is important, if not vital, because profit margins for small business owners are slim and, unlike the insurance industry, reserve funds tend to be low.”
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“Instead of the insurance company doing the right thing, they’re fighting these people,” Williams added.
“Farmers understands the impact of COVID-19 has been difficult for communities and local businesses across the country,” the statement read. “Out of fairness to all policyholders, our obligation is to pay those claims covered under our policies and to apply policy exclusions where they exist. In this circumstance, the claim for COVID-19 related damages, including those resulting from governmental stay-at-home orders is not covered under the policy and is subject to applicable policy exclusions.”
Starr’s Products of
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