Business interruption claims follow similar path to UK as Bavarian hospitality industry tests its rights under policy coverage wording.
Restaurants and hotels across Bavaria in Germany are taking their insurance companies to court, demanding they pay out claims for losses endured in the two-month state-regulated COVID-19 lockdown earlier this year.
The hospitality industry is dominating the legal challenges, with some establishments claiming as much as $1.8 million.
he insurance companies have not faced a similar situation before, and are mired in debate over wording in their policies. The insurers argue that many of the policies state that the coverage is for closure due to an infected individual, not when the establishment was closed without infection. Another argument insurers make is that many establishments still offered take-away services, so were technically not completely shut down.