After H1-N1 and the SARS virus, the international and American insurance industries developed exclusions for viruses and other communicable illnesses. Current COVID-related liability actions are occurring under workers’ compensation, general liability, business interruption and other common insurance coverage areas. In many cases, it can be very difficult to determine responsibility and appropriate levels of care related to COVID-19. For example, understanding whether a worker contracted COVID-19 in the workplace or from another setting is often nearly impossible. Legislation is being considered to create certainty for both businesses and employees in restarting the economy. Many insurance litigation actions will determine if "direct physical loss or damage" can be proven.
Liability issues rooted in the pandemic are very diverse; other actions include: wrongful termination; failure to provide reasonable accommodation; mishandling of employer response planning; failure to both require masks and allow medical exceptions from their use; civil rights (application to only protected classes) and a variety of discriminatory actions related to retaliation; return to work prohibition unless vaccinated; class actions regarding in-person education; nursing home fatality rates; breach of contract (seller/purchaser, employment contract); and a variety of fiduciary requirements regarding boards of directors and financial management.
Contact: Craig Anderson | (517) 331-8604
MFB Policy #9 Compliance and Resources for Farm Business Management
MFB Policy #70 Tort Liability Reform
AFBF Policy #156 Litigation