The COVID-19 pandemic has placed a significant amount of stress and worry on business owners over the past year and a half. Concerns over how to keep business running despite shutdowns and process adjustments have merged into the desire to purchase insurance. Coverages can protect companies against claims related to individuals becoming sick with a communicable disease, such as COVID-19. Here’s what you need to know as an employer to keep your business safe.

What is a communicable disease?

Before purchasing coverage to protect your company, it’s helpful to understand what a communicable disease is. A communicable disease is one that people catch either by contact with other people, or by contact with animals. Submission can occur through skin contact, contaminated body fluids, or food. Examples of communicable diseases include salmonella, measles, influenza, and of course, COVID-19.

Beware of communicable disease exclusions

First, it’s important that your insurance carrier doesn’t have a communicable disease exclusion under your general or professional liability coverage. In 2021, it’s become common for carriers to include this type of exclusion, when many didn’t include it in the past. If your carrier does have a communicable diseases exclusion, your business won’t be protected against claims that an individual or employee became sick due to negligence on behalf of your company. Of course, this could result in liability and related costs to your business.

What type of insurance will help me?

The world today is uncertain and purchasing the right insurance can set your mind at ease your company is protected from unforeseen circumstances. It can help to purchase communicable disease liability coverage to protect your company from illness-related claims. In some cases, this coverage can be tacked onto your current liability insurance policy. Communicable disease liability coverage protects your business against disease exposure related to your company (alleged or actual).

If you’re not sure exactly what you’ll need to add to your policy, you’re not alone! Companies are often challenged with making the right decision, and it helps to have an experienced resource in your corner. Odell Studner specializes in risk assessment and management. We can provide insight on the ins and outs of insurance coverages and what choice makes the most sense for your business needs.


Need more information?

To learn more about communicable disease liability insurance and other risk management services, contact us today!