Although we’re not trying to stoke the pandemic fires, we thought it was important to send a quick note to share with you the actions our team at The Brokerage is taking in case our region encounters broad-based disruptions from the Coronavirus. The health of our team and the continuity of our client focused service is of paramount importance. As a result, we are enhancing our business continuity protocols to make certain we can continue to deliver uninterrupted customer service and continue to be your advocate no matter what is thrown at us.
Your WC Coverage:
If it was determined that one of your employees contracted the virus as a result of a work-related exposure, than your workers compensation coverage would apply. What would not be provided is the defense and indemnification (50% of an applicable permanent disability award) for allegations of Serious and Willful related to the disease. Although this is remote and would be difficult to support, an argument could be made that an employer is responsible if they failed to take “appropriate steps” to warn and encourage potentially impacted employees to stay home.
What you should think about:
The Centers for Disease Control and Prevention (CDC) has recommended a number of strategies for employers that include:
Thank you for allowing us to be your advocate.
COMMERCIAL INSURANCE SERVICES, INC.