I saw a freelancer post that a client sent them a "We're not paying invoices due to [the economic environment]" notice. I won't link to it due to my no shaming policy. The responses from freelancers to this are fairly predictable. I have some slightly different ones:
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In *that* negotiation it is may be helpful to you that the client has sent you a letter re: coronavirus or government-ordered shutdown because plausibly those are covered ("business interruption", etc) where "I'm a bozo and not paying" is probably not a covered risk.
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Note that it is entirely possible the insurance company says "Coronavirus is not a covered risk; check your policy" and that is *also* perhaps more a negotiating position than it is a true statement about what your policy does and does not cover.
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"Coronavirus! No!" "Business interruption at direct customer caused by government action. Yes!" "Has to be incident to physical damage. No!" "Customer site coated in lethal biohazard. Pay or have your lawyer suit up." *check quietly arrives* (Only worth your time if $$$.)
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End of conversation
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You have a better shot at getting the money from the client than the insurance carrier.
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Contingent on the client being a going concern I agree with this.
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New York is taking a different approach to this specific casehttps://twitter.com/bradlander/status/1247337664153616386 …
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