1. Short title This Act may be cited as the Business Interruption Relief Act of 2020 . 2. Findings and purposes (a) Findings The Congress finds that— (1) mandatory civil authority shutdowns as a result of the coronavirus disease 2019 (COVID-19) have adversely impacted businesses throughout the United States; (2) the American economy relies in part upon an investment in and expectation of insurance benefits that back business assets and the workforce; (3) many businesses have paid policy premiums for business interruption coverage and, in particular, for coverage for civil authority shutdowns of businesses; (4) many businesses that purchased business interruption coverage and coverage for civil authority shutdowns did so in the expectation that insurance would protect a temporary shutdown of their workforce, prevent layoffs and furloughs, and allow an orderly restart of operations; and (5) State laws mandate an orderly and prompt payment of first party insurance claims and insurers have claim management resources with the expertise and skills to timely manage claims payment and distribution of funds according to expected and relied upon guidelines and procedures that policyholders had the expectation to receive. (b) Purposes The purposes of this Act are— (1) to establish a program to encourage and provide support for insurers who timely pay claims under business interruption coverage to policyholders adversely affected by civil authority shutdowns resulting from the COVID-19 pandemic; and (2) to establish the program in a manner that ensures that— (A) carriers that sold policies that cover businesses interruption losses for COVID-19 do not receive any Federal windfall