There is a rising tide of governmental effort to force insurers to pay for business losses even if not covered by the policies they sold. Is this form of government confiscation justified by the alleged public good? Is it legal? Is it right?
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I usually limit my blog posts to insurance issues but today I’d like to address something that transcends insurance and deals with the hysteria surrounding the coronavirus pandemic. My other blog posts this week also focus on the pandemic but are about insurance issues. I hope you’ll indulge me on this one post.
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The consensus is that there is little or no coverage for business income claims due to the coronavirus pandemic. However, little has been written about potential personal lines policy exclusions that may apply. This article explores some auto and homeowners issues and what insurers might consider doing about them.
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There is likely little or no coverage under most business income forms. Today, someone asked me about coverage under the “THREE” policy offered by Berkshire Hathaway. This product purports to provide property, business income, general liability, professional liability, D&O, cyber, auto, and workers compensation coverage in a policy form that is…get this…JUST 3 PAGES long. Could the “THREE” policy cover business income losses arising from a pandemic?
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Most business income insurance policies exclude all or most of the losses arising from the coronavirus pandemic. Most homeowners policies exclude liability claims involving communicable disease. Covering a pandemic can bankrupt many insurance companies. BUT, there are some things insurers can do to help their policyholders and the country….
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The first business income lawsuit involving the coronavirus pandemic has been filed in New Orleans. This article examines the bases of the lawsuit, the policy form(s) involved, and reaches conclusions about whether or not there is coverage, including the likely consequences.
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“The most important thing I learned from [Mungo] was the importance of prioritization, then organizing and executing around those priorities. This required me to THINK about what was important to me (and to people who were important to me), then establish a structure within which balanced and habituated value-added activities could take place that yielded positive results. It was only later in life that I discovered that this is what ‘time management’ is all about. With Mungo’s invaluable help, I had ‘invented’ time management but didn’t know it at the time.”
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This blog post includes links to online articles addressing coverage and business issues of the coronavirus along with past articles on similar subject matter.
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