[20211221]IN11295_营业中断保险和2019冠状病毒疾病.pdf

CRS INSIGHT Prepared for Members and Committees of Congress INSIGHTINSIGHTi i Business Interruption Insurance and COVID-19 Updated December 21, 2021 The economic disruption from the Coronavirus Disease 2019 (COVID-19) pandemic has provoked debate among insurers, policyholders, and other stakeholders about who is responsible for these losses. The loss of income from mandatory or voluntary closures, supply chain disruptions, and reduced demand due to social distancing measures has induced businesses of all sizes to seek compensation from insurers. The focus of the policy debate has been on commercial insurance that covered income losses from business interruption (BI) and similar insurance that covered losses from event cancellation. Such concerns may be revived as businesses consider closures due to the Omicron variant. Commercial Property Insurance Most businesses carry commercial property insurance, including coverage for damage to their building and contents due to a covered cause, such as a fire or windstorm. Viruses and infectious diseases are generally not designated perils in a standard policy, although all-risks coverage might include COVID-19. Following previous health cris