Business-closed-because-of-covid-insurance-companies-dont-pay

Many of our clients have just been advised by their insurance companies that they cannot claim for business disruption as a result of the Covid-19 shutdown.

It seems that unless someone who was in your employment (or, if you are just a one-person operation and you yourself have actually caught COVID 19 and cannot work for that reason) and the business has to be closed down accordingly as a result, you will not be able to claim on your business disruption insurance policy.

Effectively what the insurance industry is telling you is that you must keep your business open, you must ensure that your employees come into work and you must ensure that at least one of them gets the virus before you make a claim against the insurance policy.

Notwithstanding all those years and decades of insurance premiums paid, when you need to rely on insurance it will not pay out.

The insurance industry effectively wants you to play Russian Roulette with your livelihood, the livelihood of your employees and the health of your employees in order for you to claim.

This is the true essence of the insurance business in Ireland and in Europe in general. They are here to make money, they are not here to help. We have written previously about the difficulties dealing with the insurance companies and their massive PR machines which they use in order to try to convince us that the they are on our side and that everybody else is either a scammer or a fraud.

Profit at what cost?

Insurance Companies exist for one reason and that is to make money for their shareholders. They don’t exist to help society. They don’t exist in order to help people who are in difficulty. They exist purely and simply for profit. Many of our clients are, like ourselves, small businesses. We do what we do and we do it extremely well and we employ our expert team to help us do it. In the current crisis many small businesses are struggling. This is not an an issue however which may directly affect our own law firm business. We are fortunate in that some of our people can work from home and and ergo still get the job done for our clients. There are many small business owners however who have been all but wiped out by this current crisis and others who cannot sleep at night wondering when this will end and when normality will return. Retail, gyms, barbers, hairdressers, joke shops, vape shops…the list goes on… have all seen their businesses either effectively closed down because of lack of trade or now mandatorily closed down because of (quite proper and prudent) Government decisions in the interests of the health and safety of all our citizens. Most business owners have small business insurance and business disruption insurance is part of that. We ourselves on behalf of our clients and also on our own behalf, have been dealing with insurance companies in respect of claiming for business disruption due to factors completely outside the control in normal trading circumstances of our clients.

Let the lobbying game begin

I don’t know how the Irish insurance industry will try to spin their way out of this one – in the same way that they try to spin every other aspect of their business where they are asked to pay out money. Let there be no doubt however their PR machines in the Insurance Ireland lobby are furiously working away in order to turn this into a ‘good news story’ which you can expect shortly to go to press…watch this space! I would urge anyone who is reading this to lobby their TD’s to the greatest extent possible to ensure that the insurance companies don’t take another scalp from their clients and from the people of Ireland in general.

INDEPENDENT GOOGLE CLIENT REVIEWS

Tony an his team are brilliant.Left no stone unturned.
Fran Carroll
Fran Carroll
18:10 10 Jun 21
We availed of Carmody Moran Solicitors for the sale of our property. Niamh and her team were very efficient, quick, easy to reach and, most importantly, proactive to solve issues and process the sale. Really happy with the service and a very good value for money. Highly recommend!
Lorenzo Galati Giordano
Lorenzo Galati Giordano
08:11 03 Jun 21
Would highly recommend Anthony Carmody as he was so supportive with me and my family's case. If you made contact he would ring or email you back that day and explain things in your language.
Annamay Rowan
Annamay Rowan
12:21 10 Mar 21
Fantastic experience dealing with Anthony. Excellent and quick communication. Would highly recommend!
Anant Batra
Anant Batra
00:05 05 Feb 21
Great service, efficient, proffesional, very responsive. Over all very happy with services.
Elvyra Petkeviciute
Elvyra Petkeviciute
15:43 02 Sep 20
Would highly recommend Anthony and his team .
Tracy Ankers
Tracy Ankers
11:22 02 Aug 20
Really pleased with the advice, help, communication and understanding that I received all the way through my case. A very personable and professional firm with the focus always on the client.
Elaine McSweeney
Elaine McSweeney
10:01 31 Jul 20
Would highly recommend. No nonsense straight to the point. Kept informed at all times during the process. Anthony and staff all great.
Maxine Hudson
Maxine Hudson
13:47 12 May 20
Great team to deal with, very professional, communication from them constantly was beyond amazing, nothing but great things to say for them, Tony went above and beyond for me, highly recommended A++ for there service, thank you again guys much appreciated.
Mark Kelly
Mark Kelly
02:11 06 Feb 20
My experience with this law firm was exceptional. Tony is a very professional man who gave me his time and opinion without over promising on the result. Honest and trustworthy - Highly recommend
Mick Giles
Mick Giles
15:50 09 Dec 19
Absolute pleasure working with the CM team. Highly professional, always helpful. Great communication and made the process as hassle free as possible. Highly recommended.
david clarke
david clarke
17:01 02 Dec 19
Streetfront Lawyers.
Matthew Canning
Matthew Canning
17:17 23 May 19
Professional Solicitors that you can depend on!
Alan Alyyan
Alan Alyyan
19:14 21 Jan 19
We have dealt with both, Niamh and Anthony. Very pleased with the level of service. Very professional and always there to answer any questions we had while guiding us through the process. Highly recommended
Vanja Jovanovic
Vanja Jovanovic
07:49 06 Jul 18
Great to deal with professional,patient and efficient. Big thanks to Niamh, Leanne and Camilla .
eileen hoey
eileen hoey
07:52 14 Jun 18
Great service from Niamh, Leanne and all the team at Carmody Moran. Thanks
declan mcgrath
declan mcgrath
07:36 12 Jun 18
Our experience with Carmody Moran was very positive. They were very professional and always there on the phone if I ever needed anything. Great service.
Phyllis Dalton
Phyllis Dalton
16:33 31 May 18
We selected Carmody Moran to represent us. Great experience with Niamh and the crew after over a year engagement on property dealings have nothing but great things to say. Very professional, prompt to queries and very responsive. Highly recommended.
Andrew Penrose
Andrew Penrose
23:57 24 May 18
Professional but very friendly and courteous.
Paul Moran
Paul Moran
17:52 25 Feb 18
I went to Carmody after deciding to get a house. I found their work is detailed and very reliable. I will go again to them for next time legal service.
jingjing xu
jingjing xu
16:11 15 Jun 15
I went to Carmody Moran Solicitors after a car accident and needed injury claim advice, I was incredibly impressed and was kept well informed of how my claim was progressing.They were very straight forward and never set unrealistic time frames or over promising but delivered on everything, They were consummate professionals and I really can't thank them enough, I would highly recommend them to anyone and I will use them for any legal advice I may have in the future.
David McGowan
David McGowan
16:43 14 May 15
I have always found the service offered by Carmody Moran to be first rate and i would would have no hesitation in recommending them.
Terry Palmer
Terry Palmer
15:24 23 Apr 15
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