Only a few craftsmen are insured
The legal situation has not yet been clearly clarified, says a spokeswoman for the Association of the German Insurance Industry (GDV): “There have now been some court rulings from regional courts that have turned out very differently. We have courts in Bavaria such as the Munich Regional Court, which have initially judged pro companies. But we also have a number of cases where the insurer was judged in favor of the insurer. ”Some tradespeople who want to claim compensation for a corona-related failure may have to prepare for a legal dispute. A functionary of a large employers’ association even recommends that anyone affected who has legal protection insurance should file a lawsuit. The association does not make this statement via the official channels.
For which companies can a company closure insurance act as a lifeline in the pandemic? Probably not for many companies outside the food trade. Because the business closure insurance has almost an exotic status here. At least those policies that cover pathogens as triggers for the closure: “Such insurance policies are usually taken out by the companies in our chamber district with the focus on ‘protection against natural disasters’, such as floods,” explains a spokesman for the Lower Bavaria-Upper Palatinate Chamber of Crafts : “In terms of Corona, these insurances had basically no effect for the trade, since only hairdressers and beauticians had to completely close the trade itself. As a rule, these companies did not have any such default insurance. “
In the second part of the article, you can read how insurers adapt a large number of insurance contracts – and why.
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