Homeowners Liability Insurance Coverage For Coronavirus-Related Claims

This article also appeared in the Memphis Business Journal.

The coronavirus has quickly spurred significant changes in most people's daily lives and routines.  In light of the widespread closure of public places and a growing number of safer-at-home orders, nearly everyone has found themselves spending much more time at home.  Residential deliveries have surged, and many Americans have construed social distancing guidelines to permit small gatherings of friends and families inside homes.  But what if an insured with coronavirus exposes someone to the virus?  Or what if a guest becomes infected with coronavirus at an insured's home?  These interactions could result in an uptick of homeowners liability insurance claims arising from an insured causing someone to be exposed to COVID-19.