Reardon Anderson - April 2020

ReardonAnderson C O U N S E L O R S A T L A W

April 2020



Here are some useful websites with up-to-date COVID-19 information:

continually monitoring the changing legal landscape as government leaders respond to this pandemic. During this time, Reardon Anderson remains open and committed to serving you. Whether it is to answer a legal question or discuss any other matter that maybe impacting you, we are available. Now more than ever, we want to assure you that we have plans in place to continue providing legal services during these challenging times. If, at any time, you have any questions, concerns, or issues you wish to discuss, please reach out. We are here to help. Together, we will all get through these challenging times.

We at Reardon Anderson hope this newsletter finds you and your family safe and well during these uncertain and ever-changing times. With the outbreak of COVID-19, many aspects of our lives have been impacted and disrupted. Businesses and schools have been ordered to close. Families are learning how to adjust to their home expanding to allow for schooling and remote work to occur simultaneously. The challenges are real, and we recognize them (and are experiencing them ourselves). As the impact of COVID-19 continues to evolve, we want you to know that our firm remains committed to being here to help our friends, clients, and community navigate these uncharted waters. Our firm is

– The Reardon Anderson Firm

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What Is Business Interruption Insurance?


Business interruption insurance is designed to replace lost income and pay extra expenses when the operations of a business are disrupted. Typically, business interruption insurance is part of a business owner policy (BOP). The amount of coverage for business interruption is found in the declaration page of the insurance policy. In order to receive these benefits, there must be a covered loss. Generally, covered losses that would trigger business interruption coverage include fire, wind damage, storm damage, water leaks, theft, and falling objects. If the operations of a business are disrupted by a covered loss, the insured party would be responsible for establishing the losses sustained while not being able to operate (or while operating in a reduced capacity). Potential benefits under the business interruption coverage include loss of income/profits, mortgage/rent, utilities, payroll, and relocation fees. In light of the COVID-19 outbreak, many businesses are either totally closed or operating at a reduced capacity. The businesses that purchased business interruption coverage may be looking to their BOP, but unfortunately, many such insurance policies have an exclusion for damages caused by a virus. Additionally, such policies usually require direct physical loss or damage to covered property (think a building burning to the ground). In response to the COVID-19 outbreak, it is likely that many insurers will deny coverage because the loss was caused by a virus (SARS-CoV-2 specifically) and there was no physical loss or damage to the covered property. In response, the New Jersey Legislature has proposed a bill to “lift” this exclusion for certain businesses. Additionally, it should be noted that following 9/11, Congress passed legislation to support insurers who provided coverage for acts of terrorism. It is possible that legislation may be enacted to modify policies and/or coverage positions of insurance in the coming weeks and months. Additionally, depending on the specific wording of a policy, business interruption coverage may be available.

The majority of civil cases heard in the New Jersey Superior Court involve disputes where a plaintiff claims to have been injured by the actions of the defendant and seeks monetary compensation. Examples of these cases can include contract disputes, car accidents, and malpractice actions. The civil division of the Superior Court is separated into three sections — the Law Division, the Special Civil Part, and Small Claims court. LAW DIVISION

When the amount in controversy is in excess of $15,000, the matter is heard in the Law Division of the Superior Court. Cases filed in this division generally take longer to resolve because more intensive discovery is allowed. SPECIAL CIVIL PART If the amount in controversy is between $3,000 and $15,000, it is heard in the Special Civil Part of the Superior Court. It's the court's goal to try to resolve these matters within 90–120 days of the complaint being filed. SMALL CLAIMS If the amount in controversy is under $3,000, it is heard in the Small Claims part of the Superior Court. These cases are generally resolved the fastest in the civil court system.

Should you have any questions about business interruption coverage, please give us a call.


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To add a new amendment to the U.S. Constitution, lawmakers must pass it through Congress. But that isn’t the only step involved. Individual states also have to approve and ratify the amendment. In 1920, New Jersey ratified the 19th Amendment, which ultimately gave women the right to vote. Although the women’s suffrage movement first gained national momentum in 1848, New Jersey gave women the right to vote around 80 years prior. In 1776, after the Revolutionary War, the state's constitution was written to give all land-owning people the right to vote, including women. It was even amended in 1790 to say “he or she,” clarifying that both men and women had the right to vote. There was a catch, though: Married women couldn’t vote since they couldn’t own property. However, in 1807, the law was amended to restrict voting to tax- paying, white, male citizens. The fight for women’s voting rights became more important than ever. In 1848, women organized the first national meeting about women’s suffrage in Seneca Falls, New York. Over 300 women attended the meeting, including suffragists like Elizabeth Cady Stanton and Lucretia Mott. Many important women’s rights organizations were formed in this era, such as the International Council of Women (ICW) and the International Woman Suffrage Alliance (IWSA), which sparked an international wave of support for women’s voting rights.

Considering the momentum, people are often surprised by the massive efforts it took to progress the women’s voting rights movement within the United States. Although women successfully pressured Congress to vote on a women’s suffrage amendment in the 1870s, it took until July 1919 for Congress to actually pass the 19th Amendment. As each state voted to ratify the amendment, a few rejected it. The final waves of the anti-suffrage movement had significant influence in states like Georgia. In 1920, New Jersey’s history with women’s suffrage wouldn’t be shaken again. Feb. 9, 2020, marked the centennial of New Jersey ratifying the 19th Amendment, and August 26, 2020, will mark the national centennial of the 19th Amendment officially becoming part of the U.S. Constitution. We hope you celebrate by voting this year!



4 medium zucchini

3 tbsp pure sesame oil

• • •

• • • • • •

Salt, to taste

3/4 tsp fresh ginger, grated 2 cloves garlic, chopped 2 tbsp apple cider vinegar 3 scallions, thinly sliced 1/4 cup chopped almonds

3 medjool dates, pitted and softened in warm water for 5 minutes 3 1/2 tbsp creamy, unsweetened almond butter

3 tbsp coconut aminos


1. If you have a spiralizer, use it to cut zucchini into noodles. Otherwise, use a peeler. Salt zucchini. Allow zucchini to “sweat” out water for 1 hour, wrap in a paper towel, and squeeze the water out. 2. In a food processor, blend dates with almond butter and aminos until smooth. 3. Add sesame oil, ginger, garlic, and vinegar and pulse until sauce is smooth. 4. In a pan, sauté zucchini noodles until heated and slightly softened. 5. Toss zucchini noodles with prepared sauce and top with scallions and almonds.

Inspired by

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ReardonAnderson C O U N S E L O R S A T L A W


55 Gilbert St. N, Ste. 2204, Tinton Falls, NJ 07701 732-997-7749 |

INSIDE THIS ISSUE 1 During these Unprecedented Times, We Are Here to Help 2 What Is Business Interruption Insurance? The Civil Division’s 3 Sections 3 New Jersey’s Historical Impact in the Women’s Suffrage Movement

Sesame Zucchini Noodles

4 Eco-Friendly Diets



From extravagant parades to green-dyed rivers, something about a It can be difficult to see the connection between your plate and the planet, but scientists say that eating less red meat and processed foods can greatly reduce your environmental impact. About 25% of climate change today is fueled by agriculture and factory farming, particularly the large quantities of the greenhouse gas methane that cows produce. This means that the fewer animal products you consume, the more sustainable your diet will be. Producing and packaging beef is 100 times more emissions-intensive than producing legumes. While a lack of protein is a common concern about plant-based diets, many dietary experts say that plant-based diets can meet nutritional needs. Also, proteins aren’t the only nutrient your body needs, and dozens of vegetables and starches can offer a combination of proteins that are as complete and healthy as beef or chicken. With April being Keep America Beautiful Month, here are some eco-friendly diet adjustments anyone can make to help preserve the planet. EAT PLANT-BASED DIETS The main goal of a plant-based diet is to replace animal products as the centerpiece of the meal. At least three-fourths of your meal should be vegetarian, but you don’t

necessarily need to cut meat out altogether. For example, eating a Mediterranean diet can be very sustainable. Red meat is rare, and there’s a strong focus on legumes and vegetables. ADOPT MEATLESS MONDAYS OR MORNINGS If you’re not ready to commit to a plant-based diet, going vegetarian one day a week can be a great option. Adopting a plant-based diet one day a week or eliminating meat from one meal a day is a great way to reduce meat consumption. GO FLEXITARIAN If you want to eat more vegetarian meals but find animal products are too hard to give up, going flexitarian is a good compromise. A flexitarian eats mainly plant-based dishes but also includes a modest amount of poultry, fish, milk, and eggs with a limited amount of red meat. If you’re able to dedicate even just one week to trying a plant- based diet, it can help you get a feel for if you’re capable of making the switch. You may even realize that it’s not hard to change your diet, and you might find it fun to try a whole different range of flavors through vegetarian food as you “reinvent” your favorite meaty dishes.


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