,i  #aafth ,,congress  #b;d ,session    
,h4 ,r4 #fdid  ,,in ,,the ,,house ,,of  
,,representatives  ,april #ad1 #bjbj,mr4
 ,thompson of ,california 7for himself1 
,mr4 ,larson of ,connecticut1 ,mr4      
,hastings1 ,mrs4 ,napolitano1 ,mr4      
,rogers of ,alabama1 ,mr4 ,mc,nerney1   
,mr4 ,cisneros1 ,mr4 ,cox of            
,california1 ,mr4 ,garamendi1 and ,mr4  
,soto7 introduced the following bill2   
which was referred to the ,committee on 
,financial ,services  ,a ,,bill  ,to    
make available insurance coverage for   
business interruption losses due to     
viral pandemics1 forced closures of     
businesses1 mandatory evacuations1 and  
public safety power shut-offs1 and for  
other purposes4  #a4 ,short title ,this 
,act may be cited as the ,business      
,interruption ,insurance ,coverage ,act 
of #bjbj4  #b4 ,business interruption   
coverage requirements ,effective upon   
the date of the enactment of this ,act1 
each insurer that offers or makes       
available business interruption         

insurance coverage-- 7#a7 shall make    
available1 in all of its policies       
providing business interruption         
insurance1 coverage for losses resulting
 from-- 7,a7 any viral pandemic2  7,b7  
any forced closure of businesses1 or    
mandatory evacuation1 by law or order of
 any government or governmental officer 
or agency1 including the ,federal       
,government and ,state and local        
governments2 or  7,c7 any power shut-off
 conducted for public safety purposes2  
and  7#b7 shall make available business 
interruption insurance coverage for     
losses specified in paragraph 7#a7 that 
does not differ materially from the     
terms1 amounts1 and other coverage      
limitations applicable to losses arising
 from events other than those specified 
in paragraph 7#a74  #c4 ,preemption and 
nullification of pre-existing exclusions
  7a7 ,general nullification ,any       
exclusion in a contract for business    
interruption insurance that is in force 
on the date of the enactment of this    

,act shall be void to the extent that it
 excludes losses specified in section   
#b7a74  7b7 ,general preemption ,any    
,state approval of any exclusion of     
losses from a contract for business     
interruption insurance that is in force 
on the date of the enactment of this    
,act shall be void to the extent that it
 excludes losses specified in section   
#b7a74  7c7 ,reinstatement of exclusions
 ,notwithstanding subsections 7a7 and   
7b7 or any provision of ,state law1 an  
insurer may reinstate a preexisting     
provision in a contract for business    
interruption insurance that is in force 
on the date of the enactment of this    
,act and that excludes coverage for     
losses specified in section #b7a7 only--
 7#a7 if the insurer has received a     
written statement from the insured that 
affirmatively authorizes such           
reinstatement2 or  7#b7 if-- 7,a7 the   
insured fails to pay any increased      
premium charged by the insurer for      
providing such business interruption    

coverage2 and  7,b7 the insurer provided
 notice1 at least #cj days before any   
such reinstatement1 of-- 7i7 the        
increased premium for such business     
interruption coverage2 and  7ii7 the    
rights of the insured with respect to   
such coverage1 including any date upon  
which the exclusion would be reinstated 
if no payment is received4  #d4         
,definitions ,for purposes of this ,act1
 the following definitions shall apply3 
7#a7 ,business interruption insurance   
coverage ,the term business interruption
 insurance coverage means property and  
casualty insurance coverage provided or 
made available for losses resulting from
 periods of suspended business          
operations1 whether provided under      
broader coverage or separately4  7#b7   
,insurer ,the term insurer has the      
meaning given such term in section #ajb 
of the ,terrorism ,risk ,insurance ,act 
of #bjjb 7#ae ,u4,s4,c4 #fgja note74