Since mid-March 2020, many U.S. businesses have suffered business interruption-related losses from the COVID-19 pandemic and associated government orders. Much has been written in the popular, legal, and insurance industry press about the potential of insurance coverage for these losses under property insurance policies. Some articles express a dim view Read More
Over the last several days a multitude of conferences, shows, concerts, ceremonies, sporting events and other gatherings have been cancelled, curtailed, or postponed because of the COVID-19 pandemic. While business insurance coverage for many exposures and losses attributable to COVID-19 can be murky, Event Cancellation Insurance policies provide relevant types Read More
Many businesses have large deductible (e.g., $500,000, $1,000,000, or more) casualty insurance programs encompassing commercial general liability, product liability, business auto or workers comp/employers liability insurance coverages. Depending on the program structure, the insurer may provide first dollar coverage and charge the business client back for the deductible. Under this Read More
In the event of a disaster, effective crisis communications can be essential to maintain or rehabilitate a business’s reputation. Sometimes crisis communications also can be critical to ensure safety and mitigate the risk of liability or the amount of damages. Some (but far from all) business insurance policies provide coverage Read More
The Kansas Workers Compensation Act, like similar acts in many other states, imposes liability both on the actual employer and on the “statutory employer.” K.S.A. § 44-503(a). See also Ariz. Rev. Stat. § 23-902(A); Colo. Rev. Stat. § 8-41-401; Minn. Stat. § 176.215, subd. 1; Mo. Rev. Stat. § 287.040; Neb. Read More