The coronavirus (COVID-19) outbreak continues to be a top-of-mind concern for organisations and individuals across the globe. As COVID-19 becomes increasingly widespread, it’s not only raising fears about the well-being of the general public, but it’s also calling into question how insurance policies—like employers’ liability cover—will or won’t respond.
In instances where an employee believes they contracted COVID-19 at work, a number of employers’ liability considerations come into play. Generally, in terms of COVID-19, claims are evaluated on a case-by-case basis and cover may only be triggered if both of the following are true:
For COVID-19 claims, it’s important to remember that every situation is different. In each scenario, you’ll need to evaluate what jobs or tasks an employee was performing when they were exposed to COVID-19.
For example, health care organisations may be able to show when and how their employees fell ill from COVID-19 during the course of their work more confidently than construction firms. Typically, proving whether or not an employee contracted COVID-19 during their employment will be exceedingly difficult.
Employers that are dealing with a COVID-19 employers’ liability claim should report it to a qualified insurance professional. When reporting potential claims:
Again, claims will be assessed individually, and a number of outside factors will determine whether or not employers’ liability cover applies. Employers should make sure they are following all government protocols to properly protect their employees from contracting COVID-19 and speak with an insurance professional to learn more about how their cover may or may not respond to COVID-19 claims.
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