COVID-19: Insurance Coverage for Event Cancellation, Travel and Supply Chain


CLE credits earned: 1 GENERAL (or 1 LAW & LEGAL for WA state)

This presentation will address the issue of insurance coverage for the significant costs businesses are incurring as a result of the Covid-19 pandemic. We will address possible insurance coverage under policies purchased by most businesses, including first-party property, business interruption, general liability, and employment practices liability policies. We will discuss possible workarounds to exclusions found in many of these policies that may limit coverage, and some coverage “extensions” which are often overlooked but may provide additional protection. We also will address some specialty policies that our clients have relied upon to make claims for Covid-19 related losses, including event cancellation, trade disruption, and travel policies. Finally, we will provide a list of tips and best practices for preparing and presenting an insurance claim.

This course is co-sponsored with myLawCLE.

Key topics to be discussed:

•   Business interruption coverage for business closures mandated by state and local authorities
•   Issues to be aware of when renewing insurance policies during this pandemic
•   How the presence of Covid-19 at or near a business can qualify as “direct damage” and “physical loss” under many property policies

Date / Time: April 8, 2020

•   2:00 pm – 3:00 pm Eastern
•   1:00 pm – 2:00 pm Central
•   12:00 pm – 1:00 pm Mountain
•   11:00 am – 12:00 pm Pacific

Choose a format:

•   Live Video Broadcast/Re-Broadcast: Watch Program “live” in real-time, must sign-in and watch program on date and time set above. May ask questions during presentation via chat box. Qualifies for “live” CLE credit.
•   On-Demand Video: Access CLE 24/7 via on-demand library and watch program anytime. Qualifies for self-study CLE credit. On-demand versions are made available 24 hours after the original recording date and are view-able for up to one year.

Select your state to see if this class is approved for CLE credit.

Choose the format you want.


Original Broadcast Date: April 8, 2020

Vivek Chopra, Esq. represents policyholder-clients in coverage litigation in state and federal trial and appellate courts and domestic and foreign arbitrations, and has recovered over $1 billion for clients in these actions. Vivek also regularly counsels clients regarding policy language, renewal of insurance, and securing payment of claims without resorting to litigation.

In 2012, Vivek was named one of eleven National Litigation Insurance Stars in Top Plaintiffs by Benchmark Litigation, the definitive guide to America’s leading litigation firms and attorneys. Every year since 2013, he has been listed in Washington, D.C., Super Lawyers for his policyholder-side insurance coverage work.

Selena J. Linde, Esq. has more than 20 years of experience representing policyholders in complex insurance coverage matter. She is a nationally ranked policyholder attorney and is a primary author and editor of the Association of Corporate Counsel’s “A Policyholder’s Primer on Insurance.” Selena was named by Benchmark Litigation as one of the Top 250 Women Litigators in 2019 and three of her cases were profiled in Law 360’s write-up of Perkins Coie as Insurance Group of the Year. She is currently representing more than a dozen clients in assessing and filing claims related to insurance for coronavirus (COVID-19) losses. (Please see Perkins Coie’s Coronavirus website for links to her webinars, thought pieces, and interviews on insurance for COVID-19.)

Selena is a trial attorney and represents her clients, which include utilities, pharmaceutical companies, technology companies, financial institutions, and retailers in federal and state courts throughout the country. She has represented corporate policyholders in a wide variety of insurance coverage cases that have involved environmental liability, directors and officers liability, data breach, cyber and privacy liability, fraud, employee dishonesty, mass torts, asbestos, products liability, business interruption, construction defect, first-party property, trademark infringement, mortgage backed securities, subprime auto loan risk default insurance, and bad faith. She is regularly hired in high profile bankruptcies and by post-bankruptcy trusts to maximize the coverage available to the debtors’ estates, creditors’ committees, and trust beneficiaries.

Accreditation Policy
myLawCLE seeks accreditation for all programs in all states. (Accreditation for paralegals sought thru NALA and NFPA paralegal associations.) Each attending attorney/paralegal will receive a certificate of completion following the close of the CLE program as proof of attendance. In required states, myLawCLE records attorney/paralegals attendance, in all other states attorney/paralegal is provided with the approved CLE certificate to submit to their state bar or governing association.

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    Live Video Broadcasts

Live video broadcasts are new live CLE programs being streamed and recorded for the first time. All of these programs qualify for “Live” CLE credit in all states except NV, OH, MS, IN, UT, PA, GA, and LA —these states require in-person attendance to qualify for “Live” CLE credit.

    “Live” Re-Broadcasts

“Live” Re-broadcasts are replays of previous recorded CLE programs, set on a specific date and time and where the original presenting speakers calls in live at the end of the event to answer questions. This “live” element allows for “live” Re-broadcast CLEs to qualify for “Live” CLE credits in most states. [The following states DO NOT allow for “live” CLE credits on re-broadcast CLEs: NV, OH, MS, IN, UT, PA, GA, and LA]

Many states allow for credit to be granted on a 1:1 reciprocal basis for courses approved in another mandatory CLE jurisdiction state. This is known as a reciprocity provision and includes the following states: AK, AR, HI, CT, FL, ME, MO, MT, ND, NH, NM, VT, NJ, and NY. myLawCLE does not seek direct accreditation of live webinars or teleconferences in these states.

Section I. State of CV crisis and response

Section II. Property damage/Business interruption coverage

Section III. Business interruption coverage grants: the basics

Section IV. Addressing initial hurdles:
a) Exclusions for loss due to virus or bacteria
b) Physical loss/damage requirement
c) Other exclusions

Section V. Coverage extensions
a) Contingent business interruption
b) Civil authority
c) Dependent property
d) Ingress/Egress
e) Extended period of indemnity
f) Extra expense
g) Communicable or infectious disease coverage
h) Cleaning/decontamination coverage
i) PR/crises management coverage

Section VI. Other policies
a) Trade Disruption/Supply Chain
b) Event Cancellation
c) Employment practices liability
d) General Liability
e) Travel

Section VII. What to do now
a) Notice
b) Documentation
c) Mitigation

Section VIII. Renewal issues