COVID-19 Insurance Resources

One-Stop Shopping: Materials regarding Property Insurance (including Business Interruption) Coverage and COVID-19 aka Coronavirus

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) and 2)

This is their legal argument:

  1. 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. 
  1. 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.

Footnotes & research 3/26/2020



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