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The expert in {city} was able to reassure me and guide me exactly toward what I needed.",{"title":879,"subtitle":880,"subtitleExpert":881,"titleWithExpert":882},"New Question","Ask your question, we will find the right expert!","Ask your question, and the answer will be sent to you.","New Question for {name}",{"to":884,"seconds":885,"responseTo":886,"expertReading":887,"estimatedResponseTime":888,"expertSentPartialResponse":889},"to","seconds","Response to","{firstName} {lastName} is reading your question","Estimated response time: between 5 and 10 minutes","{expertName} sent a partial response to",{"back":459,"title":460,"sending":461,"sendLink":891,"description":892,"notifications":893},"Send the link","A reset link will be sent to your email address",{"error":130,"emailSent":463,"emailError":759,"loginRequired":894,"emailSentDescription":465},"You must be logged in to reset your password.",{"step1":896,"step2":900,"fields":909,"countries":911,"validation":913},{"title":897,"nextButton":898,"description":899},"Complete your information","Next step","To finalize the connection with an expert, please complete your contact information.",{"title":901,"expertIn":374,"accessInfo":902,"editButton":903,"contactInfo":904,"description":905,"yourDetails":906,"confirmButton":907,"questionDetails":908},"Confirm your information","The specialist will have access to your exchanges with the assistant.","Edit my information","A specialist near your address will contact you as soon as possible.","Please verify the information below before confirming the connection.","Your details","Confirm the connection","Question details",{"city":494,"phone":910,"country":497,"lastName":508,"firstName":509,"postalCode":499,"countryPlaceholder":500},"Phone Number",{"france":496,"morocco":912},"Morocco",{"required":914,"zipInvalid":915,"phoneInvalid":916},"This field is required","Invalid zip code (5 digits)","Invalid phone number format",{"terms":918,"title":920,"address":921,"seoTitle":935,"documents":936,"expertise":941,"formTitle":945,"validation":946,"companyInfo":968,"contactInfo":972,"submitButton":979,"seoDescription":935},{"accept":845,"expertZoom":100,"collaboration":919},"collaboration terms","Want to become an expert on our platform?",{"city":494,"address":495,"country":497,"countries":922,"postalCode":499,"cityPlaceholder":932,"addressPlaceholder":933,"countryPlaceholder":500,"postalCodePlaceholder":934},{"ad":923,"au":924,"be":925,"ca":926,"ch":927,"fr":496,"gb":928,"lu":929,"mc":930,"uk":928,"us":931},"Andorra","Australia","Belgium","Canada","Switzerland","United Kingdom","Luxembourg","Monaco","United States","Enter city","Enter address","Enter zip code","Expert Registration",{"title":937,"idCard":938,"diploma":939,"fileFormats":940},"Required Documents","ID Card","Diploma \u002F Professional Qualification Certificate","Accepted format: PDF, JPG, PNG",{"title":942,"categoryHint":943,"categoryPlaceholder":944},"Your expertise","* Select the category that matches your qualifications.","Select a category","Submit an application",{"authError":947,"emailExists":948,"submitError":949,"uploadError":489,"cityRequired":950,"emailInvalid":951,"fileTooLarge":490,"siretInvalid":952,"emailRequired":126,"phoneRequired":953,"siretRequired":954,"termsRequired":955,"idCardRequired":956,"addressRequired":957,"countryRequired":958,"diplomaRequired":959,"lastNameRequired":960,"firstNameRequired":961,"vatNumberRequired":962,"categoriesRequired":963,"postalCodeRequired":964,"profilePicRequired":965,"companyNameRequired":966,"postalCodeUnresolved":967,"fileFormatUnsupported":491},"Authentication problem, check your data","This email address is already in use","Error during registration","City is required","Invalid email format","The EIN must contain 9 digits","Phone number is required","EIN number is required","You must accept the collaboration terms","ID card is required","Address is required","Country is required","Diploma or certificate is required","Last name is required","First name is required","VAT number is required","At least one category is required","Zip code is required","Profile picture is required","Company name is required","Postal code not found, please check your entry.",{"siret":969,"vatNumber":504,"siretPlaceholder":970,"vatNumberPlaceholder":971},"EIN Number","Enter EIN Number","Enter VAT Number",{"email":93,"phone":910,"title":973,"lastName":508,"firstName":509,"companyName":974,"profilePicture":510,"emailPlaceholder":385,"phonePlaceholder":975,"lastNamePlaceholder":976,"firstNamePlaceholder":977,"companyNamePlaceholder":978},"Contact Information","Company Name","Enter phone number","Enter your last name","Enter your first name","Enter company name","Submit application",{"loading":23,"getAnswer":844,"orSeparator":981,"errorOccurred":982,"pleaseEnterEmail":983,"continueWithGoogle":984,"enterEmailPlaceholder":385,"pleaseEnterValidEmail":985},"or","An error occurred. 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Since the conflict began on February 28, global stock markets hav","On March 16, 2026, oil hit $107.38 per barrel — a price not seen since 2022 — as US-Israeli airstrikes on Iran entered their 19th day. Since the conflict began on February 28, global stock markets have lost 5.5%, the Dow Jones fell 400 points in a single session, and Aluminium Bahrain declared force majeure on all shipments through the Strait of Hormuz. For US businesses with exposure to the Middle East or global supply chains, the [legal and financial implications](\u002Fus\u002Fnews\u002Fnato-article-5-us-legal-obligations-2026) are urgent.\n\n## What is happening and why it matters for US businesses\n\nThe conflict began February 28, 2026, with joint US-Israeli airstrikes targeting Iranian military infrastructure. Iranian retaliatory strikes have since hit Israel repeatedly, with spillover threatening Saudi Arabia, the UAE, and Qatar's energy facilities.\n\nThe economic cascade has been rapid. Brent crude jumped 10-13% in the first week, broke $100 on March 9, and stood at $107.38 on March 18. Global shipping in the Strait of Hormuz — through which roughly 20% of the world's oil and gas transits — has nearly halted. Approximately 200 tankers are reportedly adrift or rerouting. Forty thousand flights have been cancelled across the region.\n\nFor US companies, this isn't a distant geopolitical event. It's an active supply chain disruption with legal, insurance, and contractual implications that require immediate attention.\n\n## Force majeure: what it means and when it applies\n\n[Force majeure clauses](\u002Fus\u002Fnews\u002Firan-war-hormuz-contratos-fuerza-mayor) appear in most commercial contracts. They excuse a party from performing when an extraordinary event — war, natural disaster, government action — makes performance impossible or commercially impracticable.\n\nThe Iran-Israel conflict has already triggered explicit force majeure declarations. Aluminium Bahrain invoked it on March 6 to halt shipments through the Strait. Qatar's energy minister warned that Gulf producers may follow.\n\nFor US businesses, the key questions are:\n\n**Does your contract have a force majeure clause?** Not all do. Without one, parties may still invoke the common law doctrines of impossibility or frustration of purpose — but the bar is higher, and outcomes less predictable.\n\n**Does your clause cover \"war\"?** Most force majeure clauses list specific triggering events. A conflict between nation-states typically qualifies as \"war\" or \"armed conflict.\" The US government's direct military involvement in strikes on Iran — a confirmed fact as of March 2026 — strengthens this classification.\n\n**Are you the party seeking to invoke it, or defending against a claim?** A supplier invoking force majeure shifts performance risk to you. You may have the right to challenge whether the event truly prevented performance, or whether alternative supply sources existed.\n\n**Notice requirements**: Most force majeure clauses require written notice within a specific timeframe — often 5-30 days from when the triggering event occurs or becomes known. If you've already been affected, check your contracts now.\n\n## Insurance coverage: the act of war exclusion\n\nHere is where US businesses face a critical risk: most commercial property and business interruption insurance policies contain an **\"act of war\" exclusion**. If a loss is deemed to result from war or hostile military action, the insurer can deny the claim — even for indirect losses like supply chain disruption or increased shipping costs.\n\nThe current conflict presents a gray area. Losses caused by:\n\n- **Iranian missile strikes on Israeli facilities your company uses** → likely falls under war exclusion\n- **Shipping rerouting costs due to Strait of Hormuz closure** → may or may not be covered, depending on policy language\n- **Business interruption from a UAE or Gulf supplier suspending operations** → depends on whether their force majeure declaration is accepted and your policy's contingent business interruption coverage\n\n**What to do now:**\n1. Pull and review every commercial contract with Middle Eastern parties — look for force majeure clauses and notice deadlines\n2. Review your commercial insurance policies for act-of-war exclusions and contingent business interruption coverage\n3. Document all losses with dates, connecting them to specific disruptions (not general market volatility)\n4. If a supplier invokes force majeure, demand written notice and review its validity before accepting excused non-performance\n\n## Sanctions compliance: new risks emerging\n\nThe Iran conflict has accelerated calls for expanded economic sanctions. As of March 19, 2026, the US Treasury's Office of Foreign Assets Control (OFAC) is expected to issue updated guidance on Iran-related transactions.\n\nAny US company — or non-US company using US financial infrastructure — that has contracts, payments, or business relationships touching Iran faces exposure. Even indirect transactions (through a third-country intermediary) can trigger OFAC liability.\n\nIf your supply chain includes any Gulf-based intermediaries or re-exporters, now is the time to conduct enhanced due diligence. Legal counsel specializing in international trade compliance can help identify exposure before an OFAC inquiry arrives.\n\n## When to consult a lawyer\n\nThe combination of force majeure disputes, insurance coverage fights, and sanctions compliance risk makes this one of the most legally complex commercial environments for US businesses in years.\n\nAn insurance law attorney can help you understand whether your business interruption losses are covered or excluded, and whether a force majeure claim against you holds up. A contracts attorney can assess your obligations and options when your suppliers invoke force majeure first.\n\nEarly legal review is cheaper than dispute resolution later. The window to file insurance claims is limited; force majeure notice deadlines are running now.\n\n> **Legal disclaimer**: This article is for informational purposes only and does not constitute legal advice. The situation is evolving rapidly. Consult a licensed attorney for advice specific to your contracts and insurance policies.\n","https:\u002F\u002Fpub-bdebbd2dad294475a2da0eb657815b6b.r2.dev\u002Fhero\u002Fcadbe7829432.webp","Business attorney reviewing insurance documents and contracts at office desk",null,4,"PUBLISHED","en-US","us","en","cmkzhj5jv0033wf4f2iwkx0kg","08abe221-d1ea-4039-b002-1d58da2d39e6","Iran-Israel War: Force Majeure & Insurance 2026 | Expert Zoom","Oil at $107\u002Fbarrel, Strait of Hormuz halted: the 2026 Iran-Israel conflict triggers force majeure and act-of-war insurance exclusions. What US businesses must do now.","iran attacks israel 2026 force majeure insurance business impact supply chain","iran attacks israel","US","cadbe7829432","9cc87197-5408-43dc-9de5-d740868a64f4",1202,2,"PASS","Submitted and indexed","2026-07-27T03:44:11.000Z","2026-08-04T01:51:23.795Z",2.48,"good",1.73,0,"2026-06-01T09:10:23.588Z","2026-03-19T06:35:02.726Z","2026-03-19T06:35:02.727Z","2026-08-04T05:11:08.460Z",{"id":1052,"name":1076,"slug":1077,"parentId":1078,"parent":1079},"Insurance Law","insurance-law","cmkzhdaze00036hqbr091u5ux",{"id":1078,"name":1080,"slug":679},"Lawyers",{"id":1053,"first_name":1082,"name":1083,"slug":1084,"specialty":1085,"picture":1086,"region":1087},"Daniel","Sterling","daniel-sterling","Legal Advisor","expertPics\u002Flawyers\u002Flawyers-expert-1775482451920.webp",{"code":1049,"country":1088},{"code":1058,"name":1089},"Etats-Unis","\u003Cp>On March 16, 2026, oil hit $107.38 per barrel — a price not seen since 2022 — as US-Israeli airstrikes on Iran entered their 19th day. Since the conflict began on February 28, global stock markets have lost 5.5%, the Dow Jones fell 400 points in a single session, and Aluminium Bahrain declared force majeure on all shipments through the Strait of Hormuz. For US businesses with exposure to the Middle East or global supply chains, the \u003Ca href=\"\u002Fus\u002Fnews\u002Fnato-article-5-us-legal-obligations-2026\">legal and financial implications\u003C\u002Fa> are urgent.\u003C\u002Fp>\n\u003Ch2 id=\"what-is-happening-and-why-it-matters-for-us-businesses\">What is happening and why it matters for US businesses\u003C\u002Fh2>\n\u003Cp>The conflict began February 28, 2026, with joint US-Israeli airstrikes targeting Iranian military infrastructure. Iranian retaliatory strikes have since hit Israel repeatedly, with spillover threatening Saudi Arabia, the UAE, and Qatar's energy facilities.\u003C\u002Fp>\n\u003Cp>The economic cascade has been rapid. Brent crude jumped 10-13% in the first week, broke $100 on March 9, and stood at $107.38 on March 18. Global shipping in the Strait of Hormuz — through which roughly 20% of the world's oil and gas transits — has nearly halted. Approximately 200 tankers are reportedly adrift or rerouting. Forty thousand flights have been cancelled across the region.\u003C\u002Fp>\n\u003Cp>For US companies, this isn't a distant geopolitical event. It's an active supply chain disruption with legal, insurance, and contractual implications that require immediate attention.\u003C\u002Fp>\n\u003Ch2 id=\"force-majeure-what-it-means-and-when-it-applies\">Force majeure: what it means and when it applies\u003C\u002Fh2>\n\u003Cp>\u003Ca href=\"\u002Fus\u002Fnews\u002Firan-war-hormuz-contratos-fuerza-mayor\">Force majeure clauses\u003C\u002Fa> appear in most commercial contracts. They excuse a party from performing when an extraordinary event — war, natural disaster, government action — makes performance impossible or commercially impracticable.\u003C\u002Fp>\n\u003Cp>The Iran-Israel conflict has already triggered explicit force majeure declarations. Aluminium Bahrain invoked it on March 6 to halt shipments through the Strait. Qatar's energy minister warned that Gulf producers may follow.\u003C\u002Fp>\n\u003Cp>For US businesses, the key questions are:\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Does your contract have a force majeure clause?\u003C\u002Fstrong> Not all do. Without one, parties may still invoke the common law doctrines of impossibility or frustration of purpose — but the bar is higher, and outcomes less predictable.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Does your clause cover "war"?\u003C\u002Fstrong> Most force majeure clauses list specific triggering events. A conflict between nation-states typically qualifies as "war" or "armed conflict." The US government's direct military involvement in strikes on Iran — a confirmed fact as of March 2026 — strengthens this classification.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Are you the party seeking to invoke it, or defending against a claim?\u003C\u002Fstrong> A supplier invoking force majeure shifts performance risk to you. You may have the right to challenge whether the event truly prevented performance, or whether alternative supply sources existed.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Notice requirements\u003C\u002Fstrong>: Most force majeure clauses require written notice within a specific timeframe — often 5-30 days from when the triggering event occurs or becomes known. If you've already been affected, check your contracts now.\u003C\u002Fp>\n\u003Ch2 id=\"insurance-coverage-the-act-of-war-exclusion\">Insurance coverage: the act of war exclusion\u003C\u002Fh2>\n\u003Cp>Here is where US businesses face a critical risk: most commercial property and business interruption insurance policies contain an \u003Cstrong>"act of war" exclusion\u003C\u002Fstrong>. If a loss is deemed to result from war or hostile military action, the insurer can deny the claim — even for indirect losses like supply chain disruption or increased shipping costs.\u003C\u002Fp>\n\u003Cp>The current conflict presents a gray area. Losses caused by:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>Iranian missile strikes on Israeli facilities your company uses\u003C\u002Fstrong> → likely falls under war exclusion\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Shipping rerouting costs due to Strait of Hormuz closure\u003C\u002Fstrong> → may or may not be covered, depending on policy language\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Business interruption from a UAE or Gulf supplier suspending operations\u003C\u002Fstrong> → depends on whether their force majeure declaration is accepted and your policy's contingent business interruption coverage\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>\u003Cstrong>What to do now:\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Col>\n\u003Cli>Pull and review every commercial contract with Middle Eastern parties — look for force majeure clauses and notice deadlines\u003C\u002Fli>\n\u003Cli>Review your commercial insurance policies for act-of-war exclusions and contingent business interruption coverage\u003C\u002Fli>\n\u003Cli>Document all losses with dates, connecting them to specific disruptions (not general market volatility)\u003C\u002Fli>\n\u003Cli>If a supplier invokes force majeure, demand written notice and review its validity before accepting excused non-performance\u003C\u002Fli>\n\u003C\u002Fol>\n\u003Ch2 id=\"sanctions-compliance-new-risks-emerging\">Sanctions compliance: new risks emerging\u003C\u002Fh2>\n\u003Cp>The Iran conflict has accelerated calls for expanded economic sanctions. As of March 19, 2026, the US Treasury's Office of Foreign Assets Control (OFAC) is expected to issue updated guidance on Iran-related transactions.\u003C\u002Fp>\n\u003Cp>Any US company — or non-US company using US financial infrastructure — that has contracts, payments, or business relationships touching Iran faces exposure. Even indirect transactions (through a third-country intermediary) can trigger OFAC liability.\u003C\u002Fp>\n\u003Cp>If your supply chain includes any Gulf-based intermediaries or re-exporters, now is the time to conduct enhanced due diligence. Legal counsel specializing in international trade compliance can help identify exposure before an OFAC inquiry arrives.\u003C\u002Fp>\n\u003Ch2 id=\"when-to-consult-a-lawyer\">When to consult a lawyer\u003C\u002Fh2>\n\u003Cp>The combination of force majeure disputes, insurance coverage fights, and sanctions compliance risk makes this one of the most legally complex commercial environments for US businesses in years.\u003C\u002Fp>\n\u003Cp>An insurance law attorney can help you understand whether your business interruption losses are covered or excluded, and whether a force majeure claim against you holds up. A contracts attorney can assess your obligations and options when your suppliers invoke force majeure first.\u003C\u002Fp>\n\u003Cp>Early legal review is cheaper than dispute resolution later. The window to file insurance claims is limited; force majeure notice deadlines are running now.\u003C\u002Fp>\n\u003Cblockquote>\n\u003Cp>\u003Cstrong>Legal disclaimer\u003C\u002Fstrong>: This article is for informational purposes only and does not constitute legal advice. The situation is evolving rapidly. Consult a licensed attorney for advice specific to your contracts and insurance policies.\u003C\u002Fp>\n\u003C\u002Fblockquote>\n",{}]