Contagious Disease Liability Coverage Is Finally Here!

The Covid-19 pandemic has laid bare the serious threat that contagious diseases can pose to an entire economy. The entertainment and hospitality sectors and supporting industries were some of the hardest hit.

Major projects have been put on hold due to the lack of insurance and the fear of multiple avenues for lawsuits. However, help is on the way. A new Contagious Disease Liability coverage is available and should stabilize the uncertainty that has scared off producers and investors alike.

The new specialty coverage has a high price tag which may put it out of reach for many of the businesses who need it, with minimum premiums starting around $17,500-$20,000. But with the potential for defense costs and claims payments far exceeding that, many companies may decide the price to pay is worth the upfront cost, as it puts a firm budget figure in the film finance package instead of having an unknown contingency cost hanging in the margins.

Pandemic preparedness is essential to minimize operation and supply chain difficulties and builds reserves for expected losses during a pandemic. New OSHA 30 guidelines for contagious disease in the workplace put additional burdens on employers. Before you start your next major event or production, call an experienced hospitality or
entertainment insurance agent who can guide you through your best options.

About the Author:
Justine Avera (CRM, CIC, AIS) is an insurance agent and risk manager with over 27 years in the industry. To find out more and to get a no-obligation insurance quote go to, or contact the author directly with your questions at tel: 503-467-4934 or email: [email protected].

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