'That’s money we will never recoup': Missouri dentist battles insurance company over pandemic profit loss coverage

Missouri dentist Robert Klein, DDS, is pursuing a lawsuit against Owners Insurance for denying his business interruption claims, according to local ABC affiliate KMIZ.

After having to close his four dental offices during the pandemic, Dr. Klein lost more than $1 million, which he called "money we will never recoup."

Dr. Klein called his Owners Insurance broker and was met with a response stating that expecting coverage for business interruption claims was unrealistic. He also received a letter from the insurer notifying him that his coverage does not include pandemics.

Dr. Klein filed a lawsuit alleging that his dental offices' all-risk policy should cover all risks unless it specifies an exclusion.

"Dr. Klein’s policy has no pandemic exclusion. It has no virus exclusion, so it’s clear to us there is coverage," Kent Emison, Dr. Klein's attorney, told KMIZ.

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