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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…

Washington’s Non-Essential Construction Order

  How to Comply with Washington’s Non-Essential Construction Order   On March 23, 2020, Governor Jay Inslee announced a “Stay Home, Stay Healthy” order.  Pursuant to this order, Governor Inslee prohibited all non-essential businesses from operating.  However, the prohibition did not apply to “Essential Critical Infrastructure Workers,” which many construction companies and industry groups initially…