Insurance Coverage During A Pandemic And Force Majeure

The recommended self-isolation of citizens as well as border closures are among the draconian measures taken by government authorities in order to stop the spread of the coronavirus (COVID-19). Faced with these public health measures, all economic sectors are experiencing profound upheaval. While a considerable number of businesses were forced to reduce their service points, others instead opted to close their businesses given the drastic drop in sales. Subsequently, this choice became academic for a large number of companies due to the Québec government's decision by ministerial decree to force the closure of all non-essential or non-priority activities and services. It is clear that this business interruption imposed by the government is causing significant income loss for most businesses affected by this measure.