Builders' Risk Insurance Claims And COVID-19

Will a builders' risk policy respond to cover losses for site shutdown and delay as a result of COVID-19? The parties involved in construction projects may be asking themselves this very question.  Insurance coverage could be triggered for losses incurred as a result of an outbreak of COVID-19 on site.  Coverage will of course depend on the specific wording of the policy and any exclusions.  Losses incurred because of a suspected case or expenses incurred to implement prophylactic measures intended to prevent the spread of COVID-19 are likely not covered.  We consider the following issues in this article:

1. What is covered by a builders' risk policy?
   
2. Are there exclusions that may remove coverage?