Just a quick note that Johnson & Bell’s Insurance Coverage Team is monitoring new filings of insurance coverage disputes related to the COVID-19 pandemic. In these coverage disputes, we also are assessing the various arguments for and against coverage for Business Income Loss and Civil Authority provisions. Granted, these early filings are only the proverbial “tip of the iceberg” and the issues being argued are case specific and the policy provisions vary depending on the carrier and the type of coverage issued. Some have specific exclusions for Virus and Bacteria. Some do not. Business Income coverage requires direct physical damage to the insured premises. Many policies are only for specific "Covered Causes of Loss" which typically include wind, fire, explosion, riot etc. Some are "All Risk" which means that any direct physical damage is covered unless otherwise excluded.
If you have questions about your insurance coverage and the issues it covers related to COVID 19, please contact our Insurance Coverage Team members, Glenn F. Fencl, Peter R. Ryndak or the Johnson & Bell attorney with whom you regularly work.
If you would like to receive updates via email about COVID-19-related insurance coverage issues and developments, please send an email to Matthew G. Sherman ([email protected]).
About Johnson & Bell
Clients rely on Johnson & Bell to defend their interests in court. We accomplish their objectives by providing efficient, effective and creative legal counsel. For nearly 45 years, we have represented companies from a range of business sectors, including manufacturing, chemicals, transportation, drug stores, real estate, banking, insurance, trucking, health care, accounting, law, consulting, construction, hospitality and retail, as well as local, city and state governments and municipalities. These clients trust Johnson & Bell to deliver viable solutions to their business challenges. We are proud of the results we have delivered on their behalf.