COVID-19 Insurance Resources
One-Stop Shopping: Materials regarding Property Insurance (including Business Interruption) Coverage and COVID-19 aka Coronavirus
Environmental Insurance Coverage for COVID-19 and Other Biological Hazards
Author: David Dybdahl, CIC, ARM, MBA, CPCU
How To Insure virus driven loss exposure
An insurance agents and brokers self help guide
Author: David Dybdahl, CIC, ARM, MBA, CPCU
Property Insurance Coverage for COVID-19 aka Coronavirus
(Where the Hell is My Business Interruption Coverage?)
Author: Randy C. DeLopst, CPCU
Insurance coverage losses arising from the ebola virus
Author: David Dybdahl, CIC, ARM, MBA, CPCU
Dec. 2014
Opening My Business Again after the COVID-19 Shutdown. Do I Have Liability
Insurance Coverage if a Customer Gets This Virus?
Author: Randy C. DeLopst, CPCU
Risk & Insurance Solutions for Restorers with Virus Decontamination Projects
Working in cooperation, the two leading organizations representing restoration contractors have released; A Preliminary Report for Restoration Contractors Assisting Clients With COVID-19 Concerns. This report is effectively a risk management protocol for virus decontamination work.
The document provides useful advice to the property owners and restoration firms alike.
Additional Links and Attachments
Cozen O’Connor Article – Property Insurance Coverage Issues Associated with COVID-19.
Environmental Insurance Litigation A State By State Case Law Survey 2018:
Insurance Company Reaction to COVID-19 and BI claims.
Anderson Kill – Article re Insurance Coverage for Losses Stemming from the Coronavirus. Links: 1) https://www.insurancejournal.com/news/national/2020/02/26/559383.htm and 2) https://www.andersonkill.com/Publication-Details/PublicationId/1817
This is their legal argument:
- Alliant obtained multiple policies issued by Defendant Insurers, providing the “all risk” benefits covering the Nation’s Property. Some, but not all, of the benefits provided include business interruption, interruption by civil authority, limitations of ingress and egress, and extra expense. The Nation has paid all premiums for the coverage.
- The Nation seeks a declaratory judgment from this Court declaring the policies cover the Nation’s losses and expenses related to the COVID-19 pandemic and infection and the Defendant Insurers are responsible for said losses and expenses.
Commentary: Does Business Income Insurance Cover Coronavirus Shutdowns?
Link:https://www.insurancejournal.com/news/national/2020/03/24/562144.htm
Pressure Builds on Insurers to Be Part of Coronavirus Business Solution. Link:https://www.insurancejournal.com/news/national/2020/03/20/561835.htm
Restaurant Suit Tests Business Interruption Insurance for Coronavirus Shutdowns. Link:https://www.insurancejournal.com/news/national/2020/03/19/561638.htm
Business interruption insurance coverage for coronavirus. Google search: https://www.google.com/search?sxsrf=ALeKk01BdX1yc27RDpgec0wWfEqcHIwu8w%3A1585317337245&ei=2QV-Xv2-DoWE9PwP1OCr8AE&q=business+interruption+insurance+coverage+for+coronavirus&oq=business+interruption+insurance+coverage+for+coronavirus&gs_lcp=CgZwc3ktYWIQDDoECCMQJzoHCCMQsAIQJzoECCEQClCKqQFYweQBYLWGAmgAcAB4AIABygKIAfwekgEIMC4yMC4yLjKYAQCgAQGqAQdnd3Mtd2l6&sclient=psy-ab&ved=0ahUKEwi9j_il57roAhUFAp0JHVTwCh4Q4dUDCAs
Footnotes & research 3/26/2020

Randy C. DeLopst, CPCU
Taurus Insurance & Risk Management Consulting, LLC
608-203-6357 Office
608-282-5854 Mobile