Although a few construction policyholders may find wording in their policies that justifies a claim, most contractor insurance won’t cover business interruption costs from a viral pandemic. Exclusions, with different wordings, block that kind of coverage.
Clearly, insurers meant to remove it from policies after Zika, SARS and MERS and other recent epidemics and pandemics.
Lawmakers in several states now are trying to pass laws to force insurers to pay, but they are fighting back. We’ll see where that goes.
The upshot is that business interruption insurance for contractors, which generally requires property damage covered under a builders' risk policy, can't be counted on to pay for losses caused by a virus.
结果是，承包商的业务中断保险通常要求建筑商的风险政策涵盖的财产损失，而不能指望支付由病毒造成的损失。
But there was an insurance policy and coverage for a virus pandemic if you looked hard enough and made a purchase when it first appeared three years ago. (ENR did not note it at the time nor was it in the Risk Review newsletter.)
On May 21, 2018, S&P Global, the former parent company of ENR, reported on新保险产品from broker Marsh in collaboration with carrier Munich RE Co. and Metabiota Inc.
称为病原体，覆盖范围触发器与情感指新利18备用数有关，该指数为传染病暴发提供了分析。保单持有人能够对其潜在的财务损失进行建模，并可以自定义特定费用，地理，疾病类型或日历年的部分。
“在非专业损害（商业中断）世界中，传统上，流浪汉已经脱离了可以识别和衡量政策的范围，” Metabiota的前营销和销售副总裁Jen Bruursema，told Business Insurance, an industry publication in 2018. “That’s because pandemics are very difficult to predict in terms of where they’re going to emerge and how long they’re going to last.”
[有关EN新利18备用R对COVID-19大流行的影响的最新报道，请单击此处]
一位沼泽高管还告诉该出版物：“客户可以看到指数，如果世界各地发生任何事情，则该指数会进行调整。这非常非常简单。”
不t that many policies were sold, from what I can tell.
在未来几个月中，您将在ENR.com上阅读有关病毒爆发的保险的更多信息 - 大约是保费，限制和触发因素。新利18备用
参数病毒爆发保险
But instead of an index based on public perception of the threat, I would like to see companies buy an insurance product more like parametric weather insurance, which is tied to an index of rainfall or snowfall. Michael DeLio, broker Aon’s director of analytics, says that such a product could be used to cover partial or full business interruption and can be designed to pick up additional expenses when needed.
“The triggers,” DeLio adds, “can be designed around the insured’s concerns, such as a World Health Organization pandemic/endemic issuance or regional infections and/or mortalities related to a disease.”
现在，当然，关于此类覆盖范围的询问是经常进行的。它会帮助您吗？我想这取决于成本以及您将来可能会发生什么估计。
