When COVID-19 forced businesses across North Carolina to close or drastically scale back operations, the financial impact was immediate and severe. Restaurants, retail stores, gyms, salons, event venues, and countless other businesses lost substantial revenue — all while fixed expenses like rent, utilities, and payroll continued.

Many of these business owners carried business interruption insurance as part of their commercial property policies. This coverage is meant to replace lost income when your operations are halted due to circumstances beyond your control. But when business owners filed COVID-19 business interruption claims, insurance companies frequently denied them.

At Paynter Law, we help North Carolina businesses challenge COVID-19 business interruption insurance denials and fight for the settlements they deserve.

Why Are COVID-19 Business Interruption Claims Being Denied?

Insurance companies have denied pandemic-related claims for reasons such as:

• Claiming there was no “direct physical loss” to the property
• Pointing to virus or pandemic exclusions in policy language
• Arguing that government shutdown orders are not covered events
• Using vague or complex wording to discourage policyholders from pursuing claims

The truth is, a denial is not always the end of your case. In certain situations, courts have sided with business owners — particularly when the policy language is unclear or when no specific virus exclusion applies.

How Our North Carolina Insurance Coverage Attorneys Can Help

Our COVID-19 business interruption lawyers at Paynter Law understand the unique challenges these cases present. We can:

• Review your policy to determine if your losses should be covered
• Analyze your insurance denial letter and identify legal grounds for dispute
• Negotiate with your insurer for a fair settlement
• File a lawsuit if necessary to protect your rights and recover your losses

We handle business interruption claims on a contingency fee basis — meaning you owe us nothing unless we secure compensation for you.

Who We Represent

Paynter Law helps North Carolina business owners across many industries, including:

• Restaurants, cafes, and bars
• Retail shops and boutiques
• Gyms, fitness centers, and yoga studios
• Salons, spas, and other personal care providers
• Event venues, theaters, and entertainment businesses
• Professional service providers

If your business interruption insurance claim for COVID-19 was denied, you may still have legal options.

Why Choose Paynter Law?

• Extensive experience in complex insurance coverage disputes
• Proven results in high-stakes commercial litigation
• Client-focused representation with clear communication at every step
• No fee unless we win your case

Act Quickly — Time Limits Apply

North Carolina law imposes strict deadlines for challenging insurance claim denials. The sooner you contact us, the sooner we can begin building your case.

Contact Our North Carolina COVID-19 Business Interruption Lawyers

Don’t let the insurance company’s denial be the final word. Let Paynter Law fight for the recovery your business needs to move forward.