In addition to the human wreckage caused by the novel coronavirus and 新冠肺炎, the pandemic has inflicted great financial loss. Many entities have in place business interruption insurance which was purchased with the expectation that it would provide indemnification for loss arising from such unforeseen developments. This note 地址es whether there is potential business interruption coverage for loss occasioned by 新冠肺炎 and provides some practical tips to help policyholders maximize any such insurance coverage.
业务中断保险通常是财产保险单的组成部分。为了触发业务中断覆盖，必须首先存在“财产”损害。但是，法院已广泛地解释了财产损失。如果建筑物变得无法居住或无法达到其目的，则有可能被视为遭受“财产”损害。但是，可能是 实际 该物业中是否存在新型冠状病毒（与仅 威胁 污染）需要证明。
Assuming this initial obstacle is overcome, it is necessary to also demonstrate that the novel coronavirus is a “peril” recognized by the property insurance policy. Property policies can be either “all peril” policies (which provide coverage for all perils that are not excluded) or “named peril” policies (which sets out a closed list of 名称d perils for which coverage is provided). The broader, “all perils” 类型 of policy will, be definition, include the novel coronavirus. However, the policy may contain an exclusion for viruses (sometimes, the exclusion may be a part of the “pollution” exclusion). The narrower “named peril” 类型 of insurance policy is unlikely to refer specifically to the novel coronavirus given its novelty (despite its kinship with SARS). However, the novel coronavirus may be encompassed in a “basket clause” (although this is unlikely).
Policyholders in various 类型s of industries, such as hotels and restaurants, may have special coverage which supplements traditional business interruption coverage. For instance, there could be express coverage for loss arising from contamination (a classic example is a restaurant which suffers from an 大肠杆菌 爆发）或所谓的“吸引力下降”承保范围（类似的情况是由于在旅馆内实施的公开犯罪而导致顾客流失）。此类覆盖范围可能会受到限制（也就是说，可能会被部分覆盖，直至达到较低的“上限”）。
The novel coronavirus has caused cascading cancellations of 事件s ranging from conferences to concerts. Some entities may have purchased even-specific insurance, called 事件 interruption insurance, to protect against this 事件uality.
Like business interruption insurance, 事件 cancellation insurance is typically structured as either extending to cancellations (or postponements) for all risks (subject to exclusions) beyond the insured’s control – hence, the similarity to force majeure clauses – or to cancellations arising from a closed list of specified perils. An exclusion for cancellations stemming from communicable diseases is common in 事件 cancellation insurance. However, there is sometimes a “carve out” to the exclusion for cancellations necessitated by governmental orders.
Again, the 事件 cancellation policy may have stringent requirements regarding the provision of notice to the insurance company (this notice should also be carefully worded), and demonstrating and documenting the loss will benefit from accounting expertise.