Update: I will be doing a book launch with the Boston Insurance Library on Thursday at 12:30 p.m. EDT. Rather than a Lunch & Learn, this will be a Launch & Learn, or maybe a Lunch, Launch & Learn. I’ll be talking about what prompted the book, it’s most important points, and its value going forward. To register for free, go to:


After a brief absence while working on my latest book, Why Insurance Doesn’t Cover the COVID-19 Pandemic,” I’m back with two new blog posts. The personal lines article explains why “vermin” exclusions have not been upheld by the courts. The commercial lines article is about what liability limits should be shown on a certificate of insurance…the limit required by a contract the insured entered into or the actual policy limit if higher. I should be blogging regularly now, maybe missing a week here or there, but mainly posting 2-3 new articles weekly.

My COVID-19 insurance book is now available for pre-sale on Amazon at the discounted price of $9.99. If you’re interested, I suggest ordering the book now before its official October 31 release when the price goes up shortly thereafter. If you want to know what the book is about, here is a recent blog post that includes the Amazon description and the working table of contents:

Why Insurance Doesn’t Cover the COVID-19 Pandemic

Here are some of the reviews so far:

“Bill Wilson has produced a comprehensive perspective on a dynamic topic which continues to evolve through the Courts. He cogently argues that most insurance policies do not cover COVID-19 business interruption claims. Further, he raises legitimate concerns over whether private insurance is a mechanism by which society can adequately address such perils. Wilson’s perspective is not pro-insurer nor anti-consumer. He offers practical, actionable tips for players on both sides of the insurance coverage battle lines. He advocates a rational, policy-language-driven approach to analyzing COVID-19 claims. This book should be on the Kindle or tablet of (and READ BY) property/casualty underwriters, agents, brokers, risk managers, claim representatives, and coverage lawyers on both sides of the courtroom. ‘20/20 Vision’ offers an insightful perspective on the myriad coverage issues the current pandemic raises.” — Kevin Quinley CPCU, Principal, Quinley Risk Associates LLC

“Bill Wilson is one of the nation’s leading experts on insurance coverage for first-party property.” — Randy Maniloff, Attorney, White and Williams, LLP, Author of Coverage Opinions

“Well, I sat down to work on all the things I planned to do and made the mistake of opening your manuscript. After reading the first 50 pages I must force myself to quit and get to work. However, I must commend you for a job well done.” — Jack P. Gibson, President & CEO, International Risk Management Institute

“Another practical tutorial by one of the insurance community’s most prolific and well-respected authors. Bill Wilson explains with vision and clarity, and cogent historical perspective, why the vast majority of judicial decisions have rejected or will dismiss COVID-19 Business Interruption and Civil Authority lawsuits. A must read for those who are handling or litigating claims in this space.” — Dan D. Kohane, Senior Member and Chair, Insurance Coverage and ECL Team, Hurwitz & Fine, P.C.

“Bill Wilson is the nation’s foremost leading expert on form, coverage, and technical issues.” – Bob Rusbuldt, CEO of the Independent Insurance Agents & Brokers of America

“Bill Wilson has done it again! I wasn’t sure how he would top his previous efforts in ‘When Words Collide: Resolving Insurance Coverage and Claims Disputes,’ but he has! Wilson’s latest is a veritable treatise on COVID and insurance coverages with definitive reasons why claims from the pandemic aren’t, and shouldn’t, be covered by insurance. Put this one on your list of must-have references for your library. Every insurance professional, attorney, and regulatory agency should buy the book and study it.” — Michael Gay, CPCU, AAI, AAI-M, AIS, ARM, ARM-P, CRIS, Insurance Educator and Expert Witness

For anyone involved in selling, servicing, underwriting, adjusting, consulting, or litigating business income claims arising from the COVID-19 pandemic, I hope you’ll consider downloading and reading the book. Just this week, a North Carolina trial court became the first to rule in favor of policyholders, though the ruling will undoubtedly be appealed. If you’re on the industry side of the issues, the reasoning in the book will be indispensable in making a case against coverage. If you’re on the policyholder side of the issues, I believe you have little chance of success unless you apply the reasoning in the book for when there could be coverage available.


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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. Reprint Request Information