Insurance Coverage During the Course of the COVID-19 Pandemic

By Jeffrey R. Schmieler, Esquire 
 
Insurance Coverage during the course of the COVID-19 Pandemic
 
The COVID-19 Pandemic is having a direct effect on the economic livelihood of individuals and the viability of businesses which is nationwide in scope. The losses which have been sustained in many instances are covered by Insurance policies despite coverage denials made by Insurance Companies and Insurance Brokers.
 
The issues surrounding the multitude of business interruption litigation and policy interpretation issues ancillary to the pandemic of COVID-19, include but are not limited to:  coverage analysis, coverage grant provisions, exclusions, policy endorsements, policy riders, civil authority provisions, and current proposed legislation and litigation surrounding insurance claims for this global pandemic.

The issues which must be carefully considered and analyzed include:
 
 - First Party Contract Analysis
 - Business Interruption Coverage
 - Civil Authority Provision
 - Viral Exclusions
 - Current Legislation and Litigation