{"id":1257,"date":"2020-08-06T00:16:00","date_gmt":"2020-08-06T00:16:00","guid":{"rendered":"http:\/\/teague.local\/?p=1257"},"modified":"2021-01-07T21:58:49","modified_gmt":"2021-01-07T21:58:49","slug":"do-policies-and-the-coronavirus","status":"publish","type":"post","link":"https:\/\/www.teagueins.com\/2020\/08\/06\/do-policies-and-the-coronavirus\/","title":{"rendered":"D&#038;O Policies and The Coronavirus"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\"><strong>Even before COVID-19, insurance for directors and officers (D&amp;O) was experiencing a hard market.<\/strong><\/h3>\n\n\n\n<p>Premiums had increased 44 percent in the first quarter of 2020. Over the past few years there has been a steady increase in the number of lawsuits and the size of jury awards in cases involving D&amp;O. And now with the coronavirus in full swing, triple digit increases are expected, according to a new report by insurance industry analysts at A.M. Best.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Long Tail Problems<\/h4>\n\n\n\n<p>&#8220;It&#8217;s likely that the COVID-19 pandemic will ultimately lead to greater complexity regarding emerging D&amp;O claims and litigation issues,&#8221; said David Blades, associate director, industry research and analytics at A.M. Best. &#8220;The inherent complexities of unique COVID-19 claim scenarios could lead to protracted litigation for many claims. \u2026 What that&#8217;ll do is it&#8217;ll cause the 2020 claims, and particularly 2020 D&amp;O claims, to have an extraordinarily long tail. So that&#8217;s something that we&#8217;re looking at as things go forward,&#8221; he said.<\/p>\n\n\n\n<p>Almost all D&amp;O policies these days are written on a claims-made basis. This means coverage must be in effect at the time the claim is brought in order to be covered. For example, even if you carried D&amp;O in 2019, a claim brought against your firm in 2020 would not be covered, unless you had continued your policy into 2020 \u2014 or purchased &#8220;tail coverage.&#8221; That&#8217;s the significance of long tail claims \u2014 because they may not come to light until several years down the road. The practice of writing insurance policies on a claims-made basis, common to most professional liability coverages like D&amp;O, is contrary to the &#8220;occurrence&#8221; policies provided by most insurance companies for business liability insurance. With &#8220;occurrence&#8221; coverage, the policy covers the loss when it occurred, not when the claim is brought.<\/p>\n\n\n\n<p>A.M. Best sees a long tail claim problem particularly with respect to COVID-19 because it may take years before the courts adjudicate claims where D&amp;O coverage may be deemed to apply, such as to whether employers took proper precautions to prevent or alert employees and the public of COVID-19 related contamination and whether government funds made available to businesses to use for COVID-19 related expenditures were properly used.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">D&amp;O Policies Likely to Cover COVID-19 Triggers<\/h4>\n\n\n\n<p>Although policy wording regarding coverage for COVD-19-related events is controversial with respect to business interruption coverage, A.M. Best analyst Sridhar Manyem, director of industry research and analytics, seemed to minimize the problem in the case of D&amp;O policies:<\/p>\n\n\n\n<p>&#8220;Standard D&amp;O wording may not apply to specific risks associated with COVID-19, but will apply to traditional D&amp;O perils, including those triggered by COVID-19 events\u2026 Such &#8216;silent COVID-19&#8217; coverage may not expressly address pandemic perils but may still respond to them.&#8221;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Long Term Forecast<\/h4>\n\n\n\n<p>The full A.M. Best Report, &#8220;Accelerating Trends, Unprecedented Turmoil Could Lead to Seismic Change for D&amp;O Industry,&#8221; foresees the upswing in D&amp;O prices as reflected in these underlying conditions to continue for the next few years.<\/p>\n\n\n\n<p><a id=\"disclaimer\" href=\"https:\/\/smartspublishing.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Article Courtesy of SmartsPublishing.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Even before COVID-19, insurance for directors and officers (D&amp;O) was experiencing a hard market. Premiums had increased 44 percent in the first quarter of 2020. Over the past few years there has been a steady increase in the number of lawsuits and the size of jury awards in cases involving D&amp;O. And now with the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1251,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[13],"tags":[],"class_list":["post-1257","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.2 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>D&amp;O Policies and The Coronavirus - Teague Insurance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.teagueins.com\/2020\/08\/06\/do-policies-and-the-coronavirus\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"D&amp;O Policies and The Coronavirus\" \/>\n<meta property=\"og:description\" content=\"Even before COVID-19, insurance for directors and officers (D&amp;O) was experiencing a hard market. Premiums had increased 44 percent in the first quarter of 2020. Over the past few years there has been a steady increase in the number of lawsuits and the size of jury awards in cases involving D&amp;O. 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