Ebola

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The Ebola crisis has raised numerous issues worldwide. Many of the concerns sparked by the crisis – particularly in the insurance coverage context – are not unique to that disease, however. For example, coverage concerns relating to Ebola-related claims would be similar to those for many other disease-related claims. Many different types of insurance policies, including general liability policies, could be implicated by such claims.
Continue Reading General Liability Insurance and Disease-Related Claims

Can policyholders expect coverage for loss of Business Income if (1) they must close their business and decontaminate it after the property is exposed to persons with the Ebola virus or (2) civil authorities prohibit access to their property because of such exposure?
Continue Reading Property Exposed to the Ebola Virus – Are Associated Business Income Losses Covered Under First Party Policies?

The insurance industry reacts not only to real losses, but it reacts with equal concern to perceived risks, particularly where those perceived risks could, at least in theory, amount to significant financial loss for policyholders and/or insurers. The Ebola “crisis” is the latest example of the insurance market reacting to a perceived risk that may never amount to an actual insurable loss.
Continue Reading Perception versus Reality: ACE Adds an Ebola Exclusion Just in Case

Every day, there is a new story about Ebola in the media. While some commentators suggest that the threat of Ebola in the United States is overblown – and we hope they are right – now is still the time for all businesses to review their insurance policies to understand what insurance coverage, if any, they may have available should an Ebola-related liability and/or loss occur.
Continue Reading All Businesses Should Review Insurance Coverage in Face of Ebola Crisis