因COVID-19造成的损失的潜在保险范围

I.潜在的业务中断覆盖率

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.

  • 病毒是否造成了“物理”损害?

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). 

  • 特殊类型的业务中断承保范围

财产政策也有各种“扩展”。例如,关闭建筑物的政府命令可能触发覆盖,可能无法进入建筑物(有时称为出口/入口覆盖)。此外,如果保单持有人业务所依赖的供应链或第三方出现中断,则可能会发生“或有”或“从属”业务中断。

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”)。

最终,分析将使用该政策的特定措辞,尤其是如果承保范围是经过协商并偏离标准条款时。  

  • 实际考虑

保险单包含对时间敏感的通知要求。有必要及时通知您的保险公司(通常通过您的经纪人),以维护您在保单下的承保范围。不这样做可能会损害覆盖范围(尽管法院可能会在某些情况下因情有可原的情况而提供没收的救济)。

证明业务中断损失将需要认真记录。通常建议尽早聘请会计专家,以便更好地保留并最终提出任何可用的保险索赔。 

减轻损失的努力也应进行并记录在案。

二。事件中断保险

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.

由于预期的出勤率低,事件取消保险通常也具有取消资格,因此有必要证明与COVID-19的因果关系,而不是附带的取消原因。重要的是,精心设计取消通知,以免引起提及损害该政策涵盖范围的原因。 

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.

  • 结论

新型冠状病毒在各个行业造成了巨大的经济损失。可能有保险可以减轻部分损失。保单持有人应与其风险部门,经纪人,法律顾问和会计师合作,以帮助最大程度地扩大保险范围,以减轻由病毒引起的财务压力。

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