THE Definitive and Conclusive Analysis of Why Insurance Doesn’t Cover Pandemics. is now available on presale at Amazon.com This book by one of the industry’s foremost P&C insurance coverage experts, author of “When Words Collide: Resolving Insurance Coverage and Claims Disputes,” explains why potentially trillions of dollars of COVID-19 business interruption losses should not, can not, and are not covered by insurance.
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While I’m working on my new book “20/20 Vision: Why Insurance Doesn’t Cover the COVID-19 Pandemic,” I thought I’d take a quick break and make a blog post. Recent news accounts reminded me of a couple of articles I’ve posted and in this post, I link to two of them. One is about this week’s anniversary of 9/11 and the other is about a coverage gap you may not have considered that has arisen following recent riot damage.
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“When Words Collide” The Webinar A very special webcast presented LIVE on September 22 and 24,...
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Alexandre Dumas once said, “All generalizations are dangerous, even this one.” He likely didn’t realize the scope of his observation, but that’s especially true when it comes to generalizing about insurance coverage, as this real-life claim demonstrates.
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Property policies written on a replacement cost (RC) basis, both personal and commercial lines, usually have a provision that the insured can collect on an ACV basis, then advise within 180 days that they intend to exercise their right to a RC recovery. But what happens when the insured doesn’t discover damage (e.g., from hail) until 180 days after the loss or damage (e.g., the hail storm)?
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Why do people fail to purchase insurance or cancel or suspend their coverage? Probably the motivation beyond the monetary is that they don’t believe a loss will ever happen to them. Here are a couple of real-life examples of why pennywise and pound foolish is a poor risk management tactic.
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This video podcast addresses many of the business income insurance issues presented by the COVID-19 pandemic. The panelists discuss the coverage issues, including pending litigation and government mandates from an insurance agency perspective.
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A NY court has ruled on a policyholder injunction claim regarding whether a business income loss was due to direct physical damage caused by the SARS-2 virus. Also included is a link to related COVID-19 coverage issues.
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BONUS! Purchasers of this book get a free PDF download of my book “QuoteNotes: The Ultimate Quotational Reference System and Authoring Tool for Professional Speakers and Writers” endorsed by Zig Ziglar and Brian Tracy. This is an indexed and cross-referenced compilation of my 1,500 favorite quotes and includes a section on how to use quotations in your speaking and writing.
To get BOTH books at a discounted price, click the book cover or CLICK HERE.