COVID-19 - Business Insurance coverage Q&A
COVID19- 商業保險問與答
The coronavirus outbreak has left many small business owners wondering if their insurance covers losses caused by the pandemic. Follow our Q&A special on Business Insurance.
新型冠狀病毒的爆發使許多小企業主懷疑他們的保險是否涵蓋了由疫情引起的商業損失。請追蹤我們關於商業保險的特別問答
Can I get business insurance coverage (such as a business owner’s policy) after a coronavirus-related loss occurs?
我可以在與新型冠狀病毒相關的損失發生後才購買商業保險嗎? (例如：企業綜合保險)
No. Just as you can’t purchase collision coverage and expect the insurance company to cover a car accident that already happened, you can’t buy coverage for a pre-existing business loss.
不，就像您無法購買汽車碰撞險，並期望保險公司理賠已經發生的車禍一樣，您也無法為已存在的業務損失購買保險。
保險公司將會要求您簽署“沒有已知損失”的證明，然後再簽發保險。針對在保單生效之前發生的事件提出的索陪將被拒絕。
Does my business income policy protect me while my business is temporarily closed due to COVID-19?
當因新型冠狀病毒而暫時關閉企業時，我的商業收入損失保險是否能保護我？
Generally speaking, the answer is no.
Most business income policies require physical damage to the building covered on the policy to qualify for business income benefits. Business income loss from a virus, bacterium, or other microorganism is not usually a “covered peril.”
Though it's not included in standard coverage, you can purchase a communicable disease rider for some policies – but never after the fact.
一般來說，答案是否定的。
大多數商業收入損失保險要求，於保單內承保的建築物有物理損壞，才能獲得商業收入利益。病毒、細菌或其他微生物造成的商業收入損失通常不是理賠範圍。
儘管它不包括在一般保險中，但是您可以在某些保單內額外購買一個傳染性疾病的附加保險，但不能在發生損失後才購買。
若您有更多關於保險的相關問題，歡迎諮詢！
If you have more questions about insurance, feel free to contact us!
電話 Phone: 626-912-1988
Email: info@epiagroup.com
文章來源 (Source): https://www.insureon.com/blog/coronavirus-business-insurance-coverage-frequently-asked-questions
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