CA AB743

Creates rebuttable presumptions that COVID-19 caused physical loss or damage resulting in business interruption for policies covering general business interruption, civil authority orders, and impairment of ingress/egress during the declared state of emergency beginning March 4, 2020.

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

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

Applies retroactively to all business interruption insurance policies in full force and effect on or after March 4, 2020.

Takes effect immediately as an urgency statute.