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Andrea Kotrosits focuses her practice on policyholder insurance coverage matters. Prior to joining Bradley, Andrea practiced at a litigation and insurance recovery boutique firm.

Andrea received her J.D. (cum laude) from George Mason University School of Law, where she was a member of George Mason Law Review. During law school, Andrea worked with in-house counsel at a financial services company, and later as a law clerk at a firm handling mostly employment discrimination and False Claims Act matters.

Is Civil Authority Insurance Coverage the Solution for Businesses Sustaining Losses from COVID-19?Many of the early insurance-related COVID-19 lawsuits seek insurance coverage under the civil authority coverage grant in commercial property policies. Restaurants filed the first cases (Cajun Conti LLC, et al. v. Certain Underwriters at Lloyd’s, London, et al. and French Laundry Partners LP, et al. v. Hartford Fire Insurance Co., et al.) quickly followed

States Look to Business Interruption Insurance Coverage to Save Small Businesses from COVID-19As COVID-19 halts commercial activity throughout the United States, states have jumped into action to preserve insurance coverage for small businesses. New Jersey led the way by proposing legislation requiring property policies to cover business interruption losses resulting from COVID-19:

“[n]otwithstanding the provisions of any other law, rule or regulation to the contrary, every policy

Beware of Insurers’ Attempts to Use Fear of COVID-19 to Deny CoverageAs COVID-19 leads to event cancellations worldwide, the insurance market is scrambling to minimize its financial exposure to event cancellation claims. Although we have seen event policies with COVID-19 exclusions and others with contamination exclusions that insurers will cite to deny coverage, many event cancellation policies lack these problematic exclusions. But insurers are turning to