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COVID-19 - Business Insurance coverage (Q&A #3)

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.


If an employee contracts coronavirus, is my business responsible for related costs? If so, am I able to claim this?


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).



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?


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.



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

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