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Crisis Coverage in Response to Coronavirus: Give Notice IMMEDIATELY

Crisis-related coverage extensions, often found in excess liability policies, can be a valuable source of "quick" cash in the wake of a significant loss - typically in the order of $200,000-$500,000. While the language of these provisions varies significantly, they generally provide coverage for an array of costs and expenses associated with a "crisis," which is generally defined very broadly. We recommend communicating with your broker immediately to determine what crisis-related coverage may be available in your policy.

It is not immediately clear whether many of these provisions will provide coverage in association with the Coronavirus pandemic. However, notice periods are often very short - sometimes as short as 24 hours - so we recommend giving notice liberally and quickly. These provisions generally cover costs associated with crisis management, securing a site, providing medical services to victims to mitigate injuries, consulting costs for PR, and other services. If you are not already aware whether you have this coverage, your broker should be able to tell you what is available in your policies and assist you in the notice process.


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