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The spectrum of COVID-19 related exclusions in healthcare policies

Dissonant consensus

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COVID 19 Coronavirus

By Kirsten Beasley | July 14, 2020

Almost overnight the global pandemic forever changed the healthcare industry.

Aside from the broader industry ramifications, the shaping influence of COVID-19 also profoundly impacted our healthcare professional liability (HPL) and general liability (GL) marketplace.

Over the course of the last three months, medical malpractice carriers have had to rapidly assess the far-reaching consequences whilst simultaneously fielding countless complex coverage questions, diving into the spring renewal season and trying to understand the implications of a growing number of Covid-related claims notices.

The market has released a considerable variety of clauses that seek to limit and/or exclude coverage for Covid-related claims.”

Kirsten Beasley
Head of Healthcare Broking North America
Willis Towers Watson

In the midst of that, insurers have also been crafting and evolving their coverage responses to the pandemic.

As a result, the market has released a considerable variety of clauses that seek to limit and/or exclude coverage for Covid-related claims (and more) in HPL/GL policy forms.

In this report we look at the broad spectrum of COVID-19 related exclusions and provide more clarity on the increasing gradients of limitation.

We also look at common exclusionary themes, placement considerations and regional market viewpoints from Bermuda, London and the US.

We hope you find this report informative and welcome any feedback you may have.

Author

Head of Healthcare Broking North America
Global Markets P&c Hub

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