CA AB1552

Creates rebuttable presumptions that COVID-19 was present on insured property and caused physical damage directly resulting in business interruption for commercial insurance policies with business interruption coverage.

Applies rebuttable presumptions to three coverage types: general business interruption and extra expenses, business interruption due to civil authority orders, and business interruption due to impaired ingress and egress.

Defines "civil authority" to include federal, state, and local governments; federally recognized Indian tribes; and their instrumentalities, divisions, and business entities.

Prohibits COVID-19 from being construed as a pollutant or contaminant under insurance policy exclusions unless viruses are expressly named in the exclusion language.

Applies retroactively to all commercial insurance policies providing business interruption coverage that were in effect on or after March 4, 2020, the date of the Governor's COVID-19 emergency declaration, and takes effect immediately as an urgency statute.