,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #fdid  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,april #ad1 #bjbj,mr4 
,?ompson ( ,cali=nia 7= himself1 ,mr4   
,l>son ( ,connecticut1 ,mr4 ,ha/+s1     
,mrs4 ,napolitano1 ,mr4 ,rog]s (        
,alabama1 ,mr4 ,mc,nerney1 ,mr4         
,cisn]os1 ,mr4 ,cox ( ,cali=nia1 ,mr4   
,g>am5di1 & ,mr4 ,soto7 introduc$ !     
foll[+ bill2 :i* 0 ref]r$ to !          
,committee on ,f9ancial ,s]vices  ,a    
,,bill  ,to make available insurance    
cov]age = bus9ess int]ruption losses due
 to viral p&emics1 =c$ closures (       
bus9esses1 m&atory evacuations1 & public
 safety p[] %ut-(fs1 & = o!r purposes4  
#a4 ,%ort title ,?is ,act may be cit$ z 
! ,bus9ess ,int]ruption ,insurance      
,cov]age ,act ( #bjbj4  #b4 ,bus9ess    
int]ruption cov]age requirem5ts         
,effective ^u ! date ( ! enactm5t ( ?is 
,act1 ea* insur] t (f]s or makes        
available bus9ess int]ruption insurance 
cov]age-- 7#a7 %all make available1 9   
all ( its policies provid+ bus9ess      

int]ruption insurance1 cov]age = losses 
result+ f-- 7,a7 any viral p&emic2  7,b7
 any =c$ closure ( bus9esses1 or m&atory
 evacuation1 by law or ord] ( any       
gov]nm5t or gov]nm5tal (fic] or ag5cy1  
includ+ ! ,f$]al ,gov]nm5t & ,/ate &    
local gov]nm5ts2 or  7,c7 any p[] %ut-(f
 conduct$ = public safety purposes2 &   
7#b7 %all make available bus9ess        
int]ruption insurance cov]age = losses  
specifi$ 9 p>agraph 7#a7 t does n diff] 
mat]ially f ! t]ms1 am\nts1 & o!r       
cov]age limitations applicable to losses
 aris+ f ev5ts o!r ?an ^? specifi$ 9    
p>agraph 7#a74  #c4 ,preemption &       
nullification ( pre-exi/+ exclusions    
7a7 ,g5]al nullification ,any exclusion 
9 a contract = bus9ess int]ruption      
insurance t is 9 =ce on ! date ( !      
enactm5t ( ?is ,act %all be void to !   
ext5t t x excludes losses specifi$ 9    
section #b7a74  7b7 ,g5]al preemption   
,any ,/ate approval ( any exclusion (   
losses f a contract = bus9ess           
int]ruption insurance t is 9 =ce on !   

date ( ! enactm5t ( ?is ,act %all be    
void to ! ext5t t x excludes losses     
specifi$ 9 section #b7a74  7c7          
,re9/atem5t ( exclusions ,not)/&+       
subsections 7a7 & 7b7 or any provision (
 ,/ate law1 an insur] may re9/ate a     
preexi/+ provision 9 a contract =       
bus9ess int]ruption insurance t is 9 =ce
 on ! date ( ! enactm5t ( ?is ,act & t  
excludes cov]age = losses specifi$ 9    
section #b7a7 only-- 7#a7 if ! insur]   
has receiv$ a writt5 /atem5t f ! insur$ 
t affirmatively au?orizes su*           
re9/atem5t2 or  7#b7 if-- 7,a7 ! insur$ 
fails to pay any increas$ premium *>g$  
by ! insur] = provid+ su* bus9ess       
int]ruption cov]age2 &  7,b7 ! insur]   
provid$ notice1 at lea/ #cj days be=e   
any su* re9/atem5t1 (-- 7i7 ! increas$  
premium = su* bus9ess int]ruption       
cov]age2 &  7ii7 ! rights ( ! insur$ )  
respect to su* cov]age1 includ+ any date
 ^u :i* ! exclusion w\ld be re9/at$ if  
no paym5t is receiv$4  #d4 ,def9itions  
,= purposes ( ?is ,act1 ! foll[+        

def9itions %all apply3 7#a7 ,bus9ess    
int]ruption insurance cov]age ,! t]m    
bus9ess int]ruption insurance cov]age   
means prop]ty & casualty insurance      
cov]age provid$ or made available =     
losses result+ f p]iods ( susp5d$       
bus9ess op]ations1 :e!r provid$ "u      
broad] cov]age or sep>ately4  7#b7      
,insur] ,! t]m insur] has ! mean+ giv5  
su* t]m 9 section #ajb ( ! ,t]rorism    
,risk ,insurance ,act ( #bjjb 7#ae      
,u4,s4,c4 #fgja note74