Summer has arrived. We have been outdoors enjoying the sun, exercising, imagine the worst occurs, and you are bitten by a dog. What do you do? Dog bites can cause severe injuries and according the CDC, there are more than 4.7 million dog bites a year.
What should you do if you have been injured by a dog attack? Follow these steps to ensure your health and safety as well as the health and safety of your community. To read more, Click Here.
Nursing home negligence is one of the most common forms of abuse and neglect against adults 65 years of age and older. During these times we are living in of COVID-19 we may not be able to visit or check-in with our loved ones as much as we would like, so it’s important to see the signs of nursing home neglect before it becomes a life-threatening problem. It’s also important to take all necessary steps to ensure your loved one is well taken care of and removed out of any potentially bad situations.
To learn more about what to look for, Click Here.
Now that summer is here, FINALLY, we are outdoors enjoying the sun and many have started driving motorcycles. While its important for motorcyclists to follow the rules of the road, its equally important that those of us who are driving larger vehicles do our part to stay alert and help prevent motorcycle accidents.
To see a few tips to help prevent motorcycle accidents this summer, Click Here.
BWC Board approves $1.6 billion dividend for Ohio employers
We support the State of Ohio’s recognition that employer’s need relief due to the economic impact of the Coronavirus by giving back $1.6 billion of employer’s workers’ compensation premiums. We also see in our daily practice of representing those that the system is designed to protect, the injured and their families, that the BWC, and many employers continue to the fight claims of the many injured workers we represent. Our fight has been and always remains with our clients’ right to obtain fair and just compensation for their injuries at work. We remain committed to the fight for the injured and their families who need our help more now than ever.
Please contact our attorneys at Karp Steiger to help you at (216)358-6446.
To learn more, Click Here.
BWC Returns $16 Billion to Ohio Employers
The dividend would be the sixth of $1 billion or more since 2013 and seventh overall in that time. On top of that, the bureau lowered premium rates in recent years, including a 10% cut for public employers that took effect in January and a 13% cut for private employers that begins July 1, 2020.
In total, the bureau has saved employers approximately $10 billion in workers’ comp costs since 2011 through dividends, credits, rate reductions and greater efficiencies. Let Karp Steiger’s lawyers assist you with all your workers compensation needs.
Click to read the full article from The Columbus Dispatch, Coronavirus: Ohio workers’ comp to return $1.6 billion to employers.
Business Interruption Insurance Claims
Business Interruption (“BI”) coverage typically covers short term financial loss arising from an interruption to business operations as a result of damage to the business premises or equipment. The coverage may extend to lost revenues, rent and/or utilities, among other things. A contingent business interruption provision generally provides coverage for a loss of income or profits causes by issues related to suppliers, vendors, and other major business partners. An extended business income provision extends loss coverage beyond the date that the insurer expects the business to return to full operations.
Because of the pandemic, insurance companies are now in an impossible bind: Pay one virus-related claim and be forced to pay them all, or don’t pay any of the claims. As a result, insurance companies are uniformly denying COVID-19-related insurance claims that perhaps should be covered by the insured’s policy. The courts are now being asked to make determinations regarding the interpretation of the insurance policies for BI claims associated with COVID-19 losses.
There are many issues before the courts, but the biggest questions center around whether an insurance policy contains an explicit virus exclusion, whether the policy requires direct physical loss of or damage to property, what the presence or absence of these provisions mean for COVID-19 coverage, and the interpretation of these provisions as they relate to COVID-19.
A. Direct Physical Loss
The insurance companies are regularly denying coverage for COVID-19 claiming that there must be a “direct physical loss” (i.e., property damage) in order to trigger coverage and that COVID-19 not such a loss. The counter to this argument is that the possibility of damage caused by the presence of microscopic organisms is evidence of a “direct physical loss.”
B. Virus Exclusion
Another hurdle facing business owners is that following the outbreak of SARS (another type of coronavirus) in the early 2000s, many insurance companies began adding an exclusion for loss due to viral infections into their business interruption policies. In 2006, the Insurance Service Office (“ISO”) issued a standard insurance form titled “Exclusion for Loss Due to Virus or Bacteria.” The exclusion bars coverage for loss or damage “caused by or resulting from any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease.”
Importantly, however, not every policy includes this virus inclusion. Further, if an insurer has failed to incorporate this form exclusion into their policy, it is arguable that the insurer intended to cover losses due to viruses.
C. Civil Authority
Many policies contain a “civil authority” provision. This provision can be triggered when a state, local or federal government prohibits access to a business’ property due to direct physical loss of or damage to property other than at the insured’s premises. As it relates to the COVID-19 pandemic, insureds argue that coverage under the civil authority provisions has been triggered due to the Governor’s “stay at home” order, which has prevented access to business properties. The insurance companies are countering this argument by claiming, once again, that there is no coverage unless there is evidence of a “direct physical loss.” (Attorneys from www.c-g-law.com have been helping many with these very issues.)
If you have you been affected by COVID-19. Contact us today at Karp Steiger. Personal Injury lawyers and Workers’ Compensation Attorneys. https://ksohio.com/workers-compensation-coronavirus-covid-19/; https://ksohio.com/contact-us/
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