If I Get Sued as a Result of Coronavirus, will my Liability Policies Respond?

Liability Concerns COVID-19 raises a number of liability concerns, particularly if guests, customers or employees allege they became sick due to a business’s negligence. When it comes to these concerns, it’s important to take the following insurance considerations into account: General Liability Insurance—General liability insurance, sometimes referred to as commercial liability insurance, protects your business…

If My Employee Gets Coronavirus at Work, Will Workers Compensation Respond?

Workers’ Compensation Insurance In instances where an employee believes they contracted COVID-19 at work, a number of workers’ compensation considerations come into play. As with many topics in workers’ compensation, the answer is, “it depends”—the specific facts of a claim, as well as jurisdictional statues, determine compensability. As the situation in the United States evolves,…

Do I Have Business Income Because of Coronavirus Closures?

Business Interruptions As many operations close due to COVID-19 fears, there’s a growing question of whether or not business interruption insurance can help policyholders make up for lost revenue. Business Interruption coverage is typically triggered under a commercial insurance policy when a covered risk/peril causes physical damage to the insured premises resulting in the need…

The Coronavirus – What We Know

As the headlines continue to show the effects of the Coronavirus worldwide, concerns of how a commercial insurance policy will respond are on the rise. Coverage varies greatly by carrier, but here is what we know: Virus is commonly excluded from coverage. Property and business income policies only provide coverage if there is first a…