Because no insurance policy in force today was originally designed to address COVID-19 pandemic risks, new coverage extensions needed to be created. Those insurance coverage solutions for cleaning and restoration firms are coming online quickly and are available to firms that meet the qualification criteria of the insurance companies. The choices for insurance offering the essential Affirmative Grant of Coverage for virus related services are very limited, and availability will vary depending on the services mix and qualifications of different companies.

Managing the risks of coronavirus is the new normal. A well-designed General Liability + Contractors Pollution Liability + Professional Liability insurance policy that has been endorsed to cover full spectrum biohazards including virus is the most reliable coverage design. Other insurance coverage designs can work, but the coverage is not easy to verify.