Business interruptions are ripe with opportunities with fraud. The COVID-19 pandemic has brought incredible challenges to our clients, many of whom have insurance coverage for business interruption/income loss as well as clean-up costs. The insurance industry has “circled the wagons” as insurers deny almost all such claims across the country. Policyholders have filed civil actions across many states seeking to enforce their rights under their insurance policies, with mixed results. Address the current state of the national coverage litigation and common terms, limitations and conditions found in most commercial insurance policies and the defenses asserted by the insurance industry.