Gaps in Liability Insurance? Many Agencies Learning Threat of Communicable Disease Exclusion

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​Among its many impacts on our lives, COVID-19 has altered the insurance landscape, affecting how companies respond to virus-related claims. HCAOA Associate Member Gavin Studner of Odell Studner Insurance Brokers & Consultants provided members with a one-pager discussing new gaps in coverage following the pandemic. 

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Prior to the COVID outbreak, most insurance carriers did not have an exclusion for “Communicable Disease” on their policies. However, starting in 2021, it has become standard practice for many insurance carriers to include this type of exclusion not only for General Liability but under Professional Liability coverage as well. For industries such as home care with front-line essential workers, this can have a significant impact.

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