COVID-19 Articles by Bill Wilson
To summarize in one convenient location, this is what I’ve written (so far) on the COVID-19 pandemic in recent months (not counting the dozens of comments on LinkedIn), plus a couple of podcasts:
Articles
- “Business Income Insurance…Does It Cover Coronavirus Shutdowns?”
https://insurancecommentary.com/business-income-insurancedoes-it-cover-coronavirus-shutdowns - “COVID-19 Civil Authority Orders and Legal Gamesmanship”
https://insurancecommentary.com/covid-19-civil-authority-orders-and-legal-gamesmanship - “Having Your COVID-19 Cake and Eating It Too”
https://insurancecommentary.com/having-your-covid-19-cake-and-eating-it-too - “Is a Viral Contamination ‘Physical Damage’?”
https://insurancecommentary.com/is-a-viral-contamination-physical-damage - “Court Rules on COVID-19 ‘Direct Physical Damage’ Issue”
https://insurancecommentary.com/court-rules-on-covid-19-direct-physical-damage-issue/ - “It’s Not Just About ‘Direct Physical Damage’”
https://insurancecommentary.com/its-not-just-about-direct-physical-damage/ - “Is Cleaning a Surface Contamination a ‘Repair’?”
https://insurancecommentary.com/is-cleaning-a-surface-contamination-a-repair - “Does THIS Policy Cover Business Income Losses Due to the Coronavirus Pandemic?”
https://insurancecommentary.com/does-this-policy-cover-business-income-losses-due-to-the-coronavirus-pandemic - “Business Income Coverage and COVID-19…What If There IS Coverage?”
https://insurancecommentary.com/business-income-insurance-and-covid-19what-if-there-is-coverage - “Here we go again: another unsubstantiated and unsupported accusation”
https://insurancecommentary.com/here-we-go-again-another-unsubstantiated-and-unsupported-accusation - “How the Insurance Industry CAN Help With the Coronavirus Pandemic”
https://insurancecommentary.com/how-the-insurance-industry-can-help-with-the-coronavirus-pandemic - “Potential Adverse Implications of the Coronavirus on Personal Lines Coverages”
https://insurancecommentary.com/potential-adverse-implications-of-the-coronavirus-on-personal-lines-coverages - “Has the Pandemic Created Coverage Gaps You Haven’t Thought Of?”
https://insurancecommentary.com/has-the-pandemic-created-coverage-gaps-you-havent-thought-of - “Work-From-Home Arrangements May Create Coverage Gaps”
https://insurancecommentary.com/work-from-home-arrangements-may-create-coverage-gaps/ - “Insurers Should Deny AND Cover COVID-19 Claims the Right Way”
https://insurancecommentary.com/insurers-should-deny-and-cover-covid-19-claims-the-right-way - “COVID-19 and Possible Agent/Broker E&O Claims”
https://insurancecommentary.com/covid-19-and-possible-agent-broker-eo-claims - “Providing Non-Insurance COVID-19 Advice”
https://insurancecommentary.com/providing-non-insurance-covid-19-advice - “Government Mandates that Insurers Pay for Uncovered Claims”
https://insurancecommentary.com/government-mandates-that-insurers-pay-for-uncovered-claims - “PRIA vs. TRIA…Would a Federal TRIA-Like Backstop Work for Pandemics?”
https://insurancecommentary.com/pria-vs-triawould-a-federal-tria-like-backstop-work-for-pandemics
Podcasts:
- “COVID-19 Insurance Implications Podcast”
https://insurancecommentary.com/covid-19-insurance-implications-podcast - “COVID-19 and Business Interruption Insurance”
https://www.agencyrevolution.com/blog/podcast/covid-19-and-business-interruption-insurance/
Feel free to use this information as you see fit. All of my blog posts can be reprinted without express permission. I just ask that attribution and copyright be included, as outlined on the Reprints page on my web site (the link is at the bottom of every page).
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Bill Wilson
Founder at InsuranceCommentary.com
One of the premier insurance educators in America on form, coverage, and technical issues; Founder and director of the Big “I” Virtual University; Retired Assoc. VP of Education and Research from Independent Insurance Agents & Brokers of America.
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Latest posts by Bill Wilson (see all)
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Say did they call the WTC terrorist attack a terrorist attack and deny coverage? Did they treat it as one or two separate occurrences? Red virus will likewise be treated in the same manner
When the WTC attack occurred, there was no terrorism exclusion. Now, unless you buy terrorism coverage, most insurers are attaching terrorism exclusions.
The insurers involved wanted this to be a single occurrence, but the court found that it was two occurrences.
Thanks Bill. The courts rewrote the coverage. Theyt will do the same with the Red Virus.
Southern District Denies Insured’s Request for Preliminary Injunction Seeking Payment of COVID-19 Related Loss
The Southern District granted summary judgment to the insurer, holding that the law firm could not satisfy the policy requirement to demonstrate that loss resulted from “direct physical loss or damage” by a covered peril to property, which requires “some form of actual, physical damage to the insured premises.” 17 F. Supp.3d 323, 331. The court ruled that coverage did not extend to loss incurred due to “the forced closure of the premises for reasons exogenous to the premises themselves.” Id. at 331.
https://www.lexology.com/library/detail.aspx?g=97cef80d-5ccd-45b1-92f5-739956af7404