COVID-19 - Business Insurance coverage (Q&A #3)
COVID19- 商業保險問與答 （問答3）
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。
If an employee contracts coronavirus, is my business responsible for related costs? If so, am I able to claim this?
如果員工感染新型冠狀病毒，我的企業應承擔相關費用嗎？如果是這樣，我可以提出這個理賠要求嗎？
All workers’ compensation claims require an employee to show that the injury or illness arose both (a) out of and (b) in the course of their employment. If they can’t demonstrate this, they will not be compensated.
Because workers’ comp statutes vary quite a bit by state, each situation should be examined on a case-by-case basis. These reviews must consider the statutes of the relevant jurisdiction(s).
所有勞工保險理賠要求都要求僱員證明傷害或疾病是從（a）因工作產生（b）在工作過程中產生。如果他們不能證明這一點，則將不會獲得理賠。
由於勞工補償法規因州而異，因此應根據具體情況對每種情況進行檢查。這些審查必須考慮相關司法管轄區的法規。
I had to cancel travel plans and/or purchase new tickets to get my employees home due to coronavirus. Does my policy cover these unexpected travel costs?
由于新型冠狀病毒，我不得不取消機票和/或購買新機票才能讓員工回家。我的保險是否可以支付這些意外的旅行費用？
Travel cancellation or itinerary changes coverage depends on your specific policy. Most policies do not provide this type of coverage due to coronavirus or any type of communicable disease. Since the extra expense is not related to a covered peril, coverage is unlikely.
旅行取消或行程變更的承保範圍取決於您的保單。由于新型冠狀病毒或任何類型的傳染性疾病，大多數保單都不提供此類承保範圍。由於額外費用與承保理賠範圍無關，因此理賠機率不大。
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