ILMA Compoundings - January 2021 - 26
INSURANCE UPSET
B
usinesses face many questions about insurance coverage
for the costly damages incurred by the coronavirus
pandemic. What unexpected exclusions are only now
becoming apparent? What litigation should be expected?
How can businesses retool their policies to reflect the
increased risk in the months and years ahead?
The risk of legal action is very real. " ILMA members may
become targets of lawsuits when employees, customers,
vendors or other third parties who get sick with COVID-19
claim they were exposed when they visited or worked at a
facility, " said Jeff Leiter, ILMA's general counsel.
The legal profession expects litigation risks to remain high
as the pandemic continues to make itself felt. Here, attorneys and insurance consultants address the most important
concerns in the areas of commercial general liability (CGL),
workers' compensation and employment practices liability
insurance (EPLI).
CGL INSURANCE
A business may be sued by customers, vendors or visitors
who contract COVID-19 while visiting a facility. " The next
step in lawsuits will likely be third parties on the premises
who contract COVID-19, especially if the business has not
26
JANUARY 2021
| COMPOUNDINGS | ILMA.ORG
COVID-19 FORCES A
FRESH LOOK AT
INSURANCE POLICIES
BY PHILLIP M. PERRY
followed all guidelines for protecting against the disease
from the Centers for Disease Control and Prevention
(CDC) or state and local authorities, " said C. Thomas
Kruse, partner and chair of the Litigation Practice Group for
Texas in the Houston office of Baker McKenzie.
Such guidelines can include the availability of masks,
maintaining social distancing and the provision of hand
sanitizer and related gear. " Indeed, such lawsuits are already
starting to pop up around the country, " he said.
Suppose you are sued and lose: Will your damages be
covered by your CGL policy? Such insurance is intended
to cover bodily injury and property damage caused to third
parties on an insured's premises. " Provided the particular
policy does not exclude coverage for virus exposure, it is
conceivable that a CGL policy could provide bodily injury
coverage for liability arising from the infection of a customer
or vendor, " said Robert M. Travisano, an attorney in the
litigation practice of Epstein Becker Green.
If that " conceivable " word raises alarm bells in your mind,
you are not alone. For more than one reason, uncertainty
surrounds this topic. One problem is that in many policies,
coverage for a virus is either carved out or requires a specific
endorsement. Another problem is that legal liability is
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ILMA Compoundings - January 2021
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