New York Business Interruption Insurance Legislation
In early May, we sent a message asking you to urge New York State legislators to support and co-sponsor A10226-B/S8211-A – legislation that would require insurers to include coverage for the COVID-19 pandemic through certain policies. If passed, this would immensely support dental practices and other small businesses experiencing hardship from COVID-19.
Since its introduction, the legislation has acquired 36 co-sponsors in the New York State Assembly and 16 in the State Senate. To continue these advocacy efforts and further advance this legislation, we are asking you take action by sending a message to your state legislators through this page. For more information on the issue, please read on.

New York State Assemblymember, Robert C. Carroll, and New York State Senator, Andrew S. Gounardes, introduced A10226-B and S8211-A (previously A10226/S8211) 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. A10226-B/S8211-A require any such policy to include coverage for losses due to the COVID-19 emergency, subject to the limits under the policy.
Many dental practices are facing severe financial adversity from having no regular flow of income for weeks during the pandemic. As states continue to ease restrictions and again allow for dentists to provide non-emergent care, dental practice owners will be tasked with making ends meet while society navigates its way back to normal.
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 small businesses, and these loans are not a feasible options for every dental practice owner.
Though there is much uncertainty, New York 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, use our platform on this page to send a message to your state legislators. By doing so, you are advocating for dentistry and all small businesses in the state of New York.
Oh behalf of the New York AGD, we thank you for your dedication and support of our efforts.
Teresa Skalyo, DDS, FAGD
New York AGD
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