May 2020 Bar Bulletin
By McKean J. Evans
COVID-19 is likely to give rise to significant insured losses. It goes without saying that health coverage is implicated. Infected employees will be unable to work, either due to symptoms or to prevent spreading the disease to coworkers. Particularly in the hospitality and entertainment industries, businesses are losing money due to declining customers, either due to public fear of infection or to mandatory social distancing measures. These losses implicate coverage under health, property, and disability insurance policies.
Health coverage is usually straightforward, although regulators have implemented some special rules for COVID-19. Typical health plans cover COVID-19 treatment just the same as any other illness....