Just got this helpful message from one of my insurance agents that he clearly sent out to all of his business clients. So yeah, basically not our fault, and there is an exclusion, oh by the way don't forget to pay us or you'll lose the coverage that you have that doesn't do anything.
From what I have seen thus far, business policies all have the same exclusion which may read as follows:
Virus or Bacteria
Any virus, bacterium or other micro-organism that induces or is capable of inducing physical distress, illness or disease
As to Business Interruption, coverage usually hinges on direct physical damage to property caused by a covered peril, such as fire, vandalism, hail, etc. A virus typically is not a covered peril and, in any event, is often subject to policy exclusions.
As to Worker's Compensation coverage for an employee's disease, in general, the particular disease must arise in the course and scope of employment, and the risk of contracting the disease must be unique to the type of employment or the employee's duties. Similarly, under employer's liability coverage, the employee's disease must arise out of and be caused or aggravated by the conditions of employment.
Of course, each claim must be evaluated on its own merits, applying the actual policy language, and all claims should be reported to the Claims department.
Insurance companies, in a constant battle with banks for the title of most inhumane organizations ever.
Ugh, ND. I'm sorry. My heart goes out to everyone who is going to be struggling through this financially. Our finances aren't affected yet because TCG still has to work. I don't know how long that will last.
Insurance companies: redefining pondscum on a daily basis.
Scrappy, I'm sorry about your aunts.
Just caught up: Scrappy, I am so sorry. My condolences.
What a day/week! We started moving everything online this morning with a 9 am lecture. Now classes are cancelled for the rest of the week to give us a chance to catch up. Nobody knows what is happening nor is their any clarity on whether we are considered essential. Right now they are Faculty can work at home, but have to come in within a reasonable amount of time if deployed. Staff is less clear, because some work is essential to the School, and we won't be deployed, so maybe I can work at home. No one has decided whether I am essential to the School functioning.
Nurses are setting up in various offices to try to move everything non-life threatening to telemedicine. This is all hands on deck- our employee wellness and travel medicine nurses were doing it all day
Catching up-
I am glad the colonoscopy went as well as can be expected.
I am sorry about your aunts, Scrappy.
Congratulations Maria!
We are (at work) all freaking out about odd things that don't really matter. One professor wants to know how she logs her hours if deployed and who is paying for it (She gets paid more as a nurse than a professor, and works for both the hospital and the SON). I am freaking out about how to get to work if they shut down public transit, since I can't work from home if I can't get to work.
Ugh yes that sucks, ND. I'm grateful my job is already done from home but feel bad for all the nurses and doctors I work with who work with cancer patients—so hard for the medical folks and even harder for the patients—don't have a lot of choice about coming to the hospital and they're immunosuppressed and can't wait.
Timelies all!
Congrats, Maria!
So the governor of MD has declared that bars, theaters, gyms and restaurants are to be closed starting tonight. The restaurants can still do take out and drive-through service, though I'm not sure about delivery. Sigh...
