Massachusetts: Tell Your Senator to Support Business Interruption Insurance Legislation
Massachusetts AGD Members:
We need your help! The Massachusetts State Senate recently introduced a bill that if passed, would immensely support small businesses experiencing hardship from COVID-19. We are asking you to send a message to your state senator through the link below, urging them to co-sponsor and support SD 2888.  Please read on for more information.

Massachusetts State Senator, James B. Eldridge, recently introduced SD 2888 relating to business interruption insurance coverage during the COVID-19 emergency. Commercial insurance policies cover loss or damage to property, which includes the loss of use and occupancy and business interruption. However, these policies specifically exclude coverage if the damages are the result of a global virus transmission or pandemic. SD 2888 requires any such policy to include coverage for business interruption due to global virus transmission or pandemics as of March 10, 2020 – the date Gov. Baker declared a State of Emergency by Executive Order. Therefore, policyholders shall be indemnified by their insurers for any loss of business or business interruption that was a result of COVID-19, subject to the limits under the policy.
Many dental practices are facing severe financial adversity in an attempt to cover overhead costs with no regular flow of income. The majority of dentists are only providing emergency procedures, putting themselves and their staff at risk, but mitigating the chance of dental emergent patients arriving at overwhelmed hospital ERs and urgent care centers. As states begin to ease restrictions and dentists return to providing non-emergent care, practices will be tasked with navigating their businesses back to fully functional through unknown circumstances.
Congress’ move to replenish small business loan funds for the Paycheck Protection Program (PPP) and Economic Injury Disaster Loan (EIDL) was crucial, and their efforts are appreciated. Unfortunately, we recognize there is still not enough funding to support all of the country’s small businesses experiencing hardship, and these loans are not feasible options for all dental practices.
Though there is much uncertainty, Massachusetts has the opportunity to advance this legislation and hold insurers accountable. It is crucial state legislators take action to help the many small businesses in their communities stay afloat.

To take action, enter your information through our platform on this page and send a message to your state senator. By doing so, you are advocating for dentistry and all small businesses in the state of Massachusetts.

Oh behalf of the Massachusetts AGD, we thank you for your dedication and support of our efforts.
Willian Herr, DDS
Massachusetts AGD
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