Depending on your policy and the circumstances of your claim, your business may be covered if impacted by the Coronavirus.
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Coverages for the Coronavirus.

Traditional property and casualty insurance policies have limited coverage for outbreaks and epidemics like the coronavirus, but additional coverages might respond to infectious diseases in specific circumstances. These could include:

  • Workers' Compensation
  • Property and Business Interruption
  • Professional Liability
  • Pollution Liability

While infectious diseases can often be excluded on some policies, broad terms on others may cover a claim depending on your circumstances. If your business has been impacted by the coronavirus, you need to work closely with your broker and claims consultant to review your coverage. 

Reach out to your Kapnick team for more info, or call us at 888.263.4656 or email us at

Also, if you missed our first email on the coronavirus outlining steps you can take to protect your workplace from the outbreak, see that here

Potential Policy Coverage

The financial effects for business around the world will be substantial and long-lasting, but some insurance policies may cover some losses. Availability of coverage will depend on each policy's wording and the circumstances of each claim.

Potential policy coverages may include: 



Property insurance is typically triggered by physical loss or damage caused by an insured peril, which typically does not include disease or viruses. However, certain types of businesses or those impacted by previous worldwide diseases such as SARS or Ebola may include specific extensions such as interruption by communicable/infectious/contagious diseases. Also, property policies often have limited pollution or pollution clean up coverage which might also respond.

Losses covered may include: 

  • Loss of income
  • Extra expenses
  • Crisis response
  • Cost of decontamination
  • Sanitizing


Business Interruption or Contingent Business Interruption

Business interruption claims are complex and may cover a broad range of non-damage risks that require the suspension of operations, including: 

  • Infectious diseases
  • Denial of access
  • Loss of attraction
  • Customer and supplier extensions


Environmental or Pollution 

Environmental or pollution policies may include viruses or bacteria as pollutants, especially for industries such as healthcare. Coverage may include: 

  • Clean up costs
  • Business interruptions from clean-up

Likewise, depending on the class of business, coverage restrictions may include communicable disease, coverage sublimits, and/or a requirement that the virus or bacteria be facility-borne. 


Workers' Comp

If an employee came in close conduct with someone infected with the coronavirus during the course and scope of employment, it could become a work comp claim. Employers may be responsible under the following conditions: 

  • Employee traveled overseas for business and contracted the illness. 
  • Employee is exposed to the illness at work by an infected coworker. 
  • Employee is assigned to work in a location with infected parties. 

Preventing potential workers' compensation claims by protecting your workforce through CDC recommended strategies.


General Liability and Umbrella/Excess

Typically insurers take the position that general liability policies only include actual injuries, personal injuries, or claims by third parties that an insured has caused property damage or physical injury. These often contain broadly-worded exclusions for pollution contaminants, which could include viruses. 

Umbrella policies are generally broader and may cover potential claims that primary coverages exclude. This could potentially include crisis response coverage. 

Additional Resources:
Liability Policies
Liability Implications

Liability policies such as professional liability, employment practices liability, and more may respond to coronavirus. 

Read more

Workplace Protection
Protect Your Workplace

Kapnick provided an email containing recommended strategies for protecting your workplace from COVID-19. 

Read more

Exposure Control Plan-1
Exposure Control Plan 

If your employees may be exposed to bloodborne diseases, now is the time to ensure you have a plan in place to respond.

Read more