The Ebola crisis has raised numerous issues worldwide. Many of
the concerns sparked by the crisis – particularly in the
insurance coverage context – are not unique to that disease,
however. For example, coverage concerns relating to Ebola-related
claims would be similar to those for many other disease-related
claims. Many different types of insurance policies, including
general liability policies, could be implicated by such claims.
For example if sued for an act or omission which results in a
third party contracting Ebola, or some other disease, one’s
general liability insurance policy may provide protection. Such
policies typically provide coverage for, among other things,
“Personal Injuries” (or “bodily injury”)
caused by or arising out of an “occurrence.” An
“occurrence” is typically defined to mean an
“accident.” That said, careful attention should be paid
to the language of the specific coverage grant and the definition
of relevant terms in one’s particular
