Tell Your State Legislator to Support Colorado Small Businesses
Colorado AGD Members:
We need your help! Several states have introduced legislation that if passed, would immensely support small businesses experiencing hardship from COVID-19. We are asking you to send a message to your state legislators, urging they implement similar policies in Colorado. Please read on for more information:

On March 16, several New Jersey Assemblymembers introduced A3844 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. A3844 would require any such policy to include coverage for business interruption due to global virus transmission or pandemics as of March 9, 2020 – the date a State of Emergency was declared by New Jersey’s Governor through the Executive Order. Through this, policyholders must 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.
Since New Jersey’s introduction of A3844, several other states have followed suit in introducing similar legislation including Ohio, Massachusetts, New York, Pennsylvania, Louisiana and South Carolina, though none have been passed yet. Additionally, legislation has been introduced by Congress but is not retroactive to the COVID-19 emergency.
Many dental practices are facing severe financial adversity in an attempt to cover overhead costs with no regular flow of income. As states, such as Colorado, begin 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 still much uncertainty, Colorado has the opportunity to hold insurers accountable by implementing legislation for business interruption insurance coverage related to COVID-19. It is crucial state legislators take action to help the many small businesses in their communities stay afloat.
To take action, enter your information on this page and send a message to your state legislators. By doing so, you are advocating for dentistry and all small businesses in the State of Colorado.
Oh behalf of the Colorado AGD, we thank you for your dedication and support of our efforts.
Dennis Burgner, DDS, MAGD
Colorado AGD
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