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** Insurance Solutions for Covid-19 Business Losses and Claims (Recorded Package) **
Audio program! (check our CLE Programs page for live versions)
This two-hour recording will give you a in-depth look at the various clauses in insurance policies that affect your ability to make a successful claim for business interruption injury due to Covid-19, and your possible avenues of recovery under your existing policy.
This course will give you an in-depth look at the various clauses in insurance policies that affect your ability to make a successful claim for business interruption injury due to Covid-19, and your possible avenues of recovery under your existing policy.
It will also address how insurance could be part of the solution to business losses, extra expenses and liability claims arising from the COVID-19 crisis. It will conclude with a discussion of pending cases and your speakers will provide practice tips and recommended strategies throughout the program.
Preeminent attorneys Ricardo Echeverria with Shernoff Bidart Echeverria LL and Harry Chamberlain with Buchalter will explore the definitions included in common policies, the exclusions that insurers will use to deny your claims and/or discourage you from even filing, potential work-arounds based on policy language, case law precedent and other critical issues you need to consider to prevail on a claim for business interruption on your insurance policy due to Covid-19.
They will also discuss proposed legislation throughout the country dealing with the “virus exclusion” seen in most policies.
Topics include:
- Property Insurance, Business Interruption and Business Income Coverage
- Rules of Policy Construction
- The Grant of Coverage
- “All Risk”
- “Stated Peril”
- Requirements
- Looking for terms and endorsements that may extend and broaden coverage
- Physical Loss or Damage requirement
- What constitutes “physical loss or damage?”
- Does COVID-19 qualify as property damage?
- Case law precedents
- Civil Authority Coverage/Coverage based on Government Action
- Civil Authority orders mandating closure of regular business operations
- Partial exclusion
- Government orders
- Dependent Property Business Interruption Coverage
- History and purpose of standard virus and disease exclusions
- Virus Exclusion
- Burden of Proof to establish an exclusion applies
- “Anti-Concurrent Cause” provision
- Concurrent Causation Analysis
- “Anti-Concurrent Cause” language
- Case law precedents
- Will states enforce?
- Virus (the excluded peril) and Government Action (the non-excluded peril)
- Potential Bad Faith Issues
- Potential impact of state legislation and insurance regulations
- Specialty coverages for event cancellation, disruption of supply chains, travel etc.
- Responding to third party claims and suits alleging exposure to COVID-19
- By business patrons, guests, visitors, employees, government agencies and others
- What policies are available to address legal expenses, liability and damages?
- Discussion of pending cases, practice tips and recommended strategies
This webinar was recorded live on May 13, 2020.
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What You Will Learn
- Property Insurance, Business Interruption and Business Income Coverage
- Rules of Policy Construction
- The Grant of Coverage
- “All Risk”
- “Stated Peril”
- Requirements
- Looking for terms and endorsements that may extend and broaden coverage
- Physical Loss or Damage requirement
- What constitutes “physical loss or damage?”
- Does COVID-19 qualify as property damage?
- Case law precedents
- Civil Authority Coverage/Coverage based on Government Action
- Civil Authority orders mandating closure of regular business operations
- Partial exclusion
- Government orders
- Dependent Property Business Interruption Coverage
- History and purpose of standard virus and disease exclusions
- Virus Exclusion
- Burden of Proof to establish an exclusion applies
- “Anti-Concurrent Cause” provision
- Concurrent Causation Analysis
- “Anti-Concurrent Cause” language
- Case law precedents
- Will states enforce?
- Virus (the excluded peril) and Government Action (the non-excluded peril)
- Potential Bad Faith Issues
- Potential impact of state legislation and insurance regulations
- Specialty coverages for event cancellation, disruption of supply chains, travel etc.
- Responding to third party claims and suits alleging exposure to COVID-19
- By business patrons, guests, visitors, employees, government agencies and others
- What policies are available to address legal expenses, liability and damages?
- Discussion of pending cases, practice tips and recommended strategies
Testimonials
“I have listened to / watched 4 or 5 programs on this topic over the past month. This was far and away the best one to date.” – Jeffrey Berman, Esq.
“I want to say yesterday’s seminar was a breath of fresh air. No war stories, just clear, to the point information from attorneys who are clearly knowledgeable in their field.” – Rafael Katz, Esq.
“This was a very informative and more in-depth treatment of this Covid-19 issue with Insurance. Thank you.” – Klaus O. Snyder, Esq.
“Very informative.” – Henry (Larry) Perry, Esq.
“Very satisfied.” – Brent Bradley, Esq.
“Excellent.”
“Thank you for the excellent CLE.”
Faculty
Ricardo Echeverria, Esq.
Partner
Shernoff Bidart Echeverria LLP
Ricardo Echeverria is a trial attorney with Shernoff Bidart Echeverria LLP handling insurance bad faith and catastrophic personal injury cases. Mr. Echeverria is a past-president of the Consumer Attorneys Association of Los Angeles (CAALA) the nation’s largest local association of plaintiffs’ attorneys. He was recognized as one of the Top 30 Plaintiff Lawyers in California in 2018, 2019, 2020, 2021 and 2022, and was named one of the Top 100 Attorneys in California in 2017, 2018 and 2023 by the Los Angeles Daily Journal. He was honored by the Orange County Trial Lawyers Association as the 2021 Top Gun Trial Lawyer of the Year. In 2019, he was honored with the Lifetime Legal Achievement Award from Consumer Watchdog. In 2023, Ricardo was recently inducted into The Inner Circle of Advocates, known as the 100 best plaintiff lawyers in the U.S. The Inner Circle of Advocates is an exclusive, invitation-only group of the best plaintiff lawyers in the United States.
Mr. Echeverria was named 2019 Trial Lawyer of the Year by Consumer Attorneys of Inland Empire and was also named the 2010 Trial Lawyer of the Year by CAALA after having been nominated for the award from 2006 through 2009. He has also been a finalist for the Consumer Attorneys of California’s Consumer Attorney of the Year in 2007, 2009, 2018 and 2020. He was also a finalist for the San Francisco Trial Lawyers Association 2019 Trial Lawyer of the Year. Mr. Echeverria was presented the 2011 – 2012 Jennifer Brooks Lawyer of the Year Award by the Western San Bernardino County Bar Association. In 2012, he received an Outstanding Trial Lawyer Award from the Consumer Attorneys of San Diego. He has been named a Super Lawyer by Super Lawyers Magazine every year since 2005. He has been named a “Best Lawyer” by the Best Lawyers in America publication every year since 2014.
Harry W.R. Chamberlain, Esq.
Shareholder, Certified Legal Specialist in Appellate Law
Buchalter
Harry Chamberlain is a Shareholder of Buchalter, an Am Law 150 firm, with eleven Western U.S. offices. For over 40 years, he has served as trial and appellate counsel for Fortune 500 companies, and a variety of public and private sector clients in complex litigation matters. He is certified as an Appellate Specialist by the California State Bar Board of Legal Specialization, handling hundreds of appeals across the country, including numerous cases before the California Supreme Court and the highest courts of other states.
Before joining Buchalter, Harry was general counsel for California‐based professional liability insurers, and managed the law department of a national group of commercial insurance and financial service companies. He is past president of California Defense Counsel and the Association of Southern California Defense Counsel, preeminent associations of civil defense trial and appellate lawyers. He writes and lectures widely on topics regarding complex litigation, professional responsibility and insurance law.
Fees
Webinar Recording & Materials Package – CD or Download: $189
For CDs, please add $8.50 shipping and, in CA, sales tax.
This program was recorded live on May 13, 2020.
CLE Credit
This program is available for both Self-Study and Participatory CLE.*
CA: This program is approved for 2.0 units of CLE in California.
FL: This program is approved for 2.0 units of CLE in Florida through 11/30/21.
IL: This program is approved for 2.0 units of CLE in Illinois through 5/10/22.
WA: This program is approved for 2.0 units of CLE in Washington.
New York: This program is eligible for credit in New York under New York’s CLE Approved Jurisdiction policy, for 2.0 CLE units. Pincus Professional Education is a CA Accredited Provider, which is a NY approved jurisdiction. See Section 6 of the New York State CLE Board Regulations and Guidelines for further information.
*Participatory CLE: For those states that make a distinction between self-study and Participatory CLE (CA, IL, NY), please write down the Verification Codes read out during the program by speakers or our announcer and email them to us at info@pincusproed.com and we will issue your Participatory CLE certificate.
Self-Study CLE certificates are available for states that do not require verification codes.
This program is approved for CLE in the states listed above. Upon request, Pincus Pro Ed will provide any information an attorney needs to support their application for CLE approval in other states other than what is listed above.
Terms and Policies
Recording policy: No audio or video recording of any program is permitted.
Seminar Cancellations: Should you be unable to attend for any reason, please inform us in writing no later than 14 days prior to the event and a credit voucher will be issued. If you prefer, a refund, less a $50 non-refundable deposit, will be issued. No refunds or credits will be given for cancellations received within 14 days of an event. However, if you notify us within 14 days of an event, and wish to convert your in-person attendance registration to an Audio CD package (with handout), we can do so. A small additional shipping charge, and sales tax in CA, will be incurred. No shipping charge is incurred for downloads. We will also issue a voucher for the amount paid if you notify us within 14 days and prefer not to have the audio recording.
Substitutions may be made at any time.
Webinars, Tele-seminars and Webcast Cancellations: Once log-in codes and passwords are issued for a webinar, tele-seminars or webcasts, a refund is not possible. If for any reason you cannot attend the event after you have received the codes, we will automatically convert your registration to an instant streaming/instant download or CD format and provide you with the information you need to access the recording after the program concludes and the recording is available. Conversions to CD require a $8.50 shipping fee, and in CA, 9% sales tax.
Downloads/CDs/DVDs – Refund policy:
Downloads are non-returnable/non-refundable once purchased and received. Tapes, CDs and DVDs are returnable for a full refund or replacement if defective, within 90 days of purchase.
Reminder: The room temperature at hotels and other seminar locations are notoriously hard to control. Please bring a sweater or jacket in case it gets cold and/or layer as if you are going to the movies so you are comfortable.
