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Frequently Asked Questions |
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Does  Extra Expense provide Business Interruption Coverage? Is this quarantine coverage? If the police department closes down an operational premises due to an incident of illness, will coverage be triggered? What limits are available? What documentation is needed to submit a claim? Isn't there coverage under a GL policy?
If a covered contagion is brought into the building of a policy holder and that results in a health department closure, would there be coverage?
If another tenant in the building has an incident where a contagion closes the whole building, including the insured's premises, is there coverage?
Is there coverage for asbestos or lead under this policy?
Can both the tenant and lessor buy coverage for the same location? |
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In California:
BSR Insurance Services
CA Lic # 0E72686 |
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Does Extra Expense provide Business Interruption Coverage? |
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No. The policy does not indemnify the insured for lost revenues or profits. |
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Is this quarantine coverage? |
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No. Extra Expense should never be referred to as "Pandemic Coverage," "Avian Flue Coverage" or "Quarantine Coverage." |
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Applications and forms viewable with Adobe Reader
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If the police department closes down an operational premises due to an incident of illness, will coverage be triggered? |
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No. An operational premise must be closed by a public health official, except as provided for in the Workplace Violence Coverage component. For example, if a police officer or public safety officer suspends operations at an operational premise due to workplace violence, suicide or homicide, coverage is triggered, to a maximum of five(5) days. |
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What limits are available? |
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Location limits can range from $2,500 - $50,000 per day limit. There is a 30 day location aggregate. |
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What documentation is needed to submit a claim? |
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Evidence of a closure by a public health official is the main element needed when submitting a claim. |
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Isn't there coverage under a GL policy? |
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There would be coverage under a GL policy for third party BI and PD. There would be no first party coverage because it is not a special or basic peril. |
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If a covered contagion is brought into the building of a policy holder and that results in a he lath department closure, would there be coverage? |
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Yes, as long as an insured's "operational premises" are closed by order of a public health official. |
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If another tenant in the building has an incident where a contagion closes the whole building, including the insured's premises, is there coverage? |
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No. Coverage is only triggered under the insured's policy by a contagion or illness in his/her own operational premise. |
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Is there coverage for asbestos or lead under this policy? |
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No. Both are specifically excluded within the coverage form. |
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Can both the tenant and lessor buy coverage for the same location? |
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Yes, they an both buy coverage for their individual "operational locations." |
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Please remember that each situation is unique. This page is provided for informational purposes only and does not constitute legal advice. Do not hesitate to contact us regarding your particular situation. |
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