Ben Asks a Question: Why are insurance companies denying small business claims?

Posted at 8:39 PM, Apr 24, 2020
and last updated 2020-04-24 20:39:46-04

COLUMBUS, Ohio — Small businesses in Ohio have been hit hard by the COVID-19 pandemic. Even as the state plans to allow businesses to reopen in the coming days, many businesses are still in desperate need of financial aid.

As a result, today I asked Gov. Mike DeWine if he has any plans to address the insurance industry’s reluctance to pay loss of income and business interruption claims.

Ben Asks a Question is a feature we started as a way to help give you a voice during Gov. Mike DeWine's daily press briefings. Since then, Ben has gotten hundreds of questions a day. If you'd like to ask a question, find us on Facebook and feel free to message us there, or send us an email at

In his response, DeWine said he’s aware of the issue and he has been in touch with Ohio’s insurance department about it.

“I know that from talking to small businesses, that that has been a real concern,” said DeWine. “That business interruption, some of them felt that they had coverage, they should have had coverage, and they do not have coverage, or at least the insurance company is telling them now that they do not have coverage.

"I’ve asked our insurance department to take a look at that, and I’ll report back what they tell me," he continued. "Again, this is a private contract, but we also want to make sure people are being treated fairly."

DeWine noted that insurance agreements are private contracts, so it’s not clear if the state will have much power in the issue. A number of lawsuits have already been filed in the state against insurers refusing to pay for lost profits.