Property & Casualty Considerations
Criminals prey on unfortunate circumstances, seeking to capitalize on victims during times of panic and hardship. Unfortunately, the coronavirus disease 2019 (COVID-19) pandemic is no exception. The Cybersecurity and Infrastructure Security Agency (CISA), part of the U.S. Department of Homeland Security, recommends strict vigilance related to COVID-19 threats.
Companies are quickly feeling the effects of the COVID-19 pandemic, and while many businesses are already implementing policies to minimize the potential spread of the virus and protect their employees – it is also important that employers review their workers’ compensation insurance policies and prepare to file claims in the event that their employees acquire COVID-19.
Every claim must be investigated and adjudicated on its own merits. We encourage our clients to file claims for losses arising from the COVID-19 pandemic. However, coverage may be restricted or not available under certain property and casualty policies. Should you have questions about your specific policies, or should you wish to file a claim, please contact your Cottingham & Butler service team and we will be happy to assist you.
Click Here to read more on specific coverage recommendations >>
• Business Interruption, General Liability, Workers’ Compensation Guidance
Safety & Risk Control
• Office Stretches – SMSC (Safety Management Services Company)
• FMCSA FAQ’s
• FMCSA Expanded Emergency Declaration
• OSHA COVID-19 Workplace Guidance
• Common COVID-19 Citations
• OSHA Guidance for Reopening Nonessential Businesses
Recording workplace exposures related to COVID-19
OSHA record-keeping requirements at 29 CFR Part 1904 mandate covered employers record certain work-related injuries and illnesses on their OSHA 300 log.
COVID-19 can be a recordable illness if a worker is infected as a result of performing their work-related duties. However, employers are only responsible for recording cases of COVID-19 if all of the following are met:
1. The case is a confirmed case of COVID-19 (see CDC information on persons under investigation and presumptive positive and laboratory-confirmed cases of COVID-19);
2. The case is work-related, as defined by 29 CFR 1904.5; and
3. The case involves one or more of the general recording criteria set forth in 29 CFR 1904.7 (e.g. medical treatment beyond first-aid, days away from work).
Visit OSHA’s Injury and Illness Record-keeping and Reporting Requirements page for more information.
Visit our Industry Insights page for industry-specific Safety Resources >>
Questions? We Are Here to Help.
Contact your Cottingham & Butler Representative or call us at 800.793.5235.
COVID-19 Employee Hotline – Provided by our wellness partner HealthCheck360
Cottingham & Butler clients are welcome to share the enclosed hotline with their employees as a resource to help them answer questions about novel coronavirus and connect them with local resources.
Call 855.716.2588 to access the hotline.