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Why Does the “EFFICIENT PROXIMATE CAUSE” Matter to your Insurance Claim?

Insurance Coverage and the “EFFICIENT PROXIMATE CAUSE”   In Washington, a judicial doctrine called the “efficient proximate cause” rule may apply and affect insurance coverage when multiple events combine to cause a loss.  The doctrine is considered “friendly” to insureds because it sometimes creates coverage for a loss caused in part by an excluded peril,…

Insurance Claims for Business Interruption from COVID-19

Considering an Insurance Claim for Business Interruption Due to COVID-19?   Here’s What You Should Know Throughout the United States, thousands of businesses have been forced to cease typical operations to quell the spread of COVID-19. Unfortunately, this virus has caused massive lost profits for these businesses. Does one of your business’s insurance policies provide…