" States like Virginia, California, now Michigan have adopted emergency standards that basically make the OSHA and the CDC guidelines mandatory and have significant fines if you fail to comply. " Jeff Leiter, general counsel, ILMA required to trigger coverage. The infection must have arisen from some breach of care on the part of the insured business. And what constitutes such negligent conduct is still unsettled. " There are numerous lawsuits boiling up as to what actions or inactions could possibly lead to legal liability due to the coronavirus, " said Tony Sardis, president of the management consulting firm Withum. He points to the following possible scenarios: * Remaining open following an order by a civil authority to close. * Failure to adhere to required health and prevention guidelines. * Allowing an employee who is known to be infected with the virus to continue working. * Not screening or refusing service to customers with the virus. Whatever the nature of the negligent conduct, it must be the actual cause of the injury to the third party for insurance to kick in. And that brings up yet another problem: proving causation. " It may be extremely difficult to prove the virus was contracted at any one site or location and that it arose out of the insured's operations, " said Sardis. " The infected individual would need to prove that he or she only went to that location over the past five to 14 days (based upon today's knowledge of the infection transmission), prove it was something the business should have known about and 27