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COVID-19 - Business Insurance coverage Q&A


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.


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.



Does my business income policy protect me while my business is temporarily closed due to COVID-19?


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.





If you have more questions about insurance, feel free to contact us!

電話 Phone: 626-912-1988


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