COVID-19 - Business Insurance coverage (Q&A #)
COVID19- 商業保險問與答 （問答2）
The coronavirus outbreak has left many small business owners wondering if their insurance covers losses caused by the pandemic.
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。
What does a business income policy normally cover?
商業收入損失保險通常涵蓋哪些內容？
Also called business interruption insurance, business income coverage is a standard endorsement that can be added to a business owner’s policy.
Business income is part of a property policy that would cover an insured for loss of income resulting from a “covered loss.” For example, if a business’s office burns to the ground, the company will not be able to generate revenue. Business income would provide a level of reimbursement, which is detailed in the policy itself.
商業收入損失保險也稱為業務中斷保險，商業收入損失保額是一項額外保額，可以添加到企業主的保單中。
若是在理賠範圍內，因財物損失導致間接性的商業收入損失，商業收入損失保險則能理賠。例如，如果一家公司的辦公室被燒毀，該公司將無法產生收入。商業收入損失保險將提供一定程度的理賠金額，在每張保單內都有詳細說明。
Am I covered if the government forces my business to temporarily close? What if my geographic area is affected by “shelter in place” rules?
如果政府強迫我的企業暫時關閉，我可以申請理賠嗎？或是我的企業地區受到“居家令”規則的影響，該怎麼辦？
Most policies do not cover a “civil authority” (any branch of federal, state, or local government) forcing your business to temporarily close. Unless direct physical damage occurs on your property or adjacent properties, coverage is usually not triggered.
However, disaster relief loans may be available to small businesses affected by mandatory closings due to COVID-19. This is a pending development, and we’ll update this section with more information once it’s available.
大多數保單並不會理賠因""強迫您的企業暫時關閉的“民事權力機構”（聯邦，州或地方政府的任何分支機構）所造成的收入損失""。除非對您的財產或鄰近財產造成直接的物理損壞，否則通常不會觸發承保範圍。
但是，受新型冠狀病毒影響，而被強制關閉影響的小型企業可能可以申請經濟傷害災難貸款.
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