Epidemics, disease outbreaks and pandemics often garner significant media coverage. In 2014, Ebola captured headlines across the world. At other times, the H1N1 flu, measles, Legionnaires’ disease, or some other disease has grabbed the public’s attention. Although, in the recent past – at least in the United States – the health and commercial costs of such events have not been as great as the headlines might suggest, prudence nonetheless dictates that businesses – and their general counsel and risk managers – be prepared for the worst. Not only must they be ready to implement workplace safety precautions if and when necessary, they must also be ready to address losses, or potential losses, caused by a pandemic, outbreak, or epidemic. To that end, familiarity with insurance coverage is a must.

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