The safety of workers is a top concern for businesses operating during any type of influenza outbreak. Attorneys from Anderson Kill & Olick, P.C. have created a pdf regarding insurance coverage for A (H1N1) claims.
Step one states that employers should access and implement the Business Pandemic Influenza Planning Checklist offered by the CDC and Department of Health and Human Services.
Step two is to consider the company’s current insurance policies and the protections provided by it. Businesses should review their property, business interruption, workers comp and liability insurance, among others.
“Such policies are the business equivalent of a vaccine against the flu.”
The report also answers the following questions, which are likely to arise under these various insurance policies when it comes to the current outbreak:
- Is business interruption coverage available for the A (H1N1) pandemic?
- Is there CGL or D&O coverage for claims related to A (H1N1)?
- Will afflicted workers be covered under state workers comp laws?
- Does a flu outbreak constitute an “occupational disease?”
- How many self-insured retentions will apply in the event of an outbreak?
