Do I have Business Interruption coverage for this?

In order for the Business Interruption (Business Income) policy to trigger coverage, there has to be a “covered cause of loss.” The form of your policy provides the answer, which has, up to this point, been a resounding no. All of the commercial property company’s forms we have read have a Virus or Bacteria Exclusion, which excludes loss or damage caused by, or resulting from, any virus, bacterium, or other micro-organism that induces, or is capable of inducing, physical distress, illness, or disease. 

ISO (Insurance Services Office) recently released two optional endorsements to address limited BI coverage related to the Coronavirus. In our discussions with companies, they have to file these endorsements and also be willing to utilize them. As of now, we have not seen any companies who are interested in providing these endorsements going forward. 

Insuring classic and specialty cars can be confusing for the first-time buyer because how you cover the vehicle depends on how you're going to use it.

If you've never owned a classic before, you may not know the right questions to ask. But that's why we are here.
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One less-touted aspect of the Affordable Care Act is that it provides employers more tools for assisting employees with substance-abuse problems to seek help.
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Musculoskeletal disorders (MSDs) - ergonomic injuries affecting the connective tissues of the body such as muscles, nerves, tendons, joints, cartilage or spinal disks - account for about 30% of all workplace injuries.
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Fires are the most common claim for homeowners, and they can start in a variety of ways. 

The causes of these fires range from food left unattended on the stove to candles left burning. A majority of these fires are preventable with some forethought and care to minimize the risks.

Traffic accidents continue to be one of the leading causes of high-severity workers' comp claims, according to research.

The National Council on Compensation Insurance found in a study that the cost of workers' comp claims for accidents involving motor vehicles was 250% more than the average for all workplace accidents.
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Generally speaking, employers are looking to lower their rising health care costs and improve their employees’ overall health. When HR professionals look toward the future, they are evaluating strategies to help manage both short- and long-term costs.

Employers are facing pressure to keep health care costs low for themselves and their employees, particularly in today’s tight labor market. As employers try to attract and retain top talent, they’ve had to get creative, and this is reflected in the following employee benefits trends.  
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A new report predicts that most commercial insurance lines will see increases in 2020 as the market continues to harden almost across the board, with the only exception being workers' compensation.
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Heart disease is the leading cause of death for both women and men in the United States, causing about 647,000 deaths annually, according to the Centers for Disease Control and Prevention (CDC). Heart disease is also an extremely expensive disease—costing the United States about $207 billion annually in health care, medications and lost productivity.  
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