If My Employees Decide to Stay at Home Due to Concerns For COVID-19, Will I Be Covered By My Business Interruption Insurance Policy?
Ideally, business owners are expected to provide a safe environment for their employees. When the work environment is not considered safe for business, it is not expected of any employer to force the employees to report to work. At the rate the novel coronavirus is infecting people around the world, it is understandable that your employees may not feel comfortable coming to work. But what does your business interruption insurance policy say about this? Are you covered for business disruption because of their unwillingness to risk coming to work?
Factors That Determine Whether You Are Covered For Business Disruption
There are so many factors at play here. You are not expected to risk the life or health of your employees for business reasons. Once they feel it is dangerous to keep working because of the virus, you should let them stay home. You can even encourage this before they raise the topic or before the authority gives an order to shut down.
What is the Viability of Your Business Insurance Policy?
Coming to the viability of your business insurance policy in this scenario, it is still a complicated issue. Ideally, a business interruption insurance policy requires related property damage to be triggered. In the case of fear of COVID-19, there is no property damage, which makes it hard to make claims. But the concern is genuine and has caused business interruptions. It is not out of place to expect that your insurance policy will have you covered in a situation like this. The most viable policy to look at in this case is the business interruption insurance policy, and there are chances that it will cover you.
Clearly, there are several hurdles to succeeding with a business interruption claim linked to your employees not turning up for work due to concerns for COVID-19. Besides the policy language, there may be some exclusions that will restrict coverage for a particular incident caused by a pandemic or epidemic. Hence, it is advisable to speak to a reputable business interruption attorney to help you do things the right way and stand a chance to get something out of the situation.
Call The Injury Firm today for a free business interruption insurance policy consultation with our knowledgeable business interruption attorneys. We will be happy to discuss with you and advise you on the legal options available to you. An amazing experience awaits you. Call now: 954-951-0000.
