In Part I of this series, we discussed requirements/qualifications for benefits under each system and the “offset.” Now, we will pick up the conversation and discuss other considerations. While in theory, it would seem common sense that it is better to draw benefits from two systems than one, there is another catch.

If you have a commercial insurance policy, whether there is coverage available for COVID-19 related business losses is dependent on specific policy language and judicial interpretation of policy language. The first step to determining whether your policy might provide coverage is to make sure you have a complete copy of your policy.