COVID-19 Resources

COVID-19 Resources for Insurance and Risk Management Professionals

The COVID-19 pandemic is an unprecedented Black Swan event that is testing the resilience of countries, economies, businesses, and societies. To help insurance and risk management professionals navigate this rapidly evolving coronavirus crisis, IRMI Research Analysts are analyzing policy provisions, monitoring state regulatory responses, and curating applicable content from our extensive library.

Bookmark this page to help you quickly access coronavirus resources and check back for frequent updates.

Updated November 4, 2020

Free COVID-19 Resources

Expert Commentary Articles

Businesswoman thinking positive thoughts

COVID-19, Prolonged Toxic Stress, and Mental Health at Work

How COVID-19 has impacted workplace well-being? Are we facing a "perfect storm" of risk factors for suicide, or are there aspects of this crisis that give us hope? What can workplaces do during this time to support workers and their families?

>> Read more.

Home security system with phone app

Security from Home: Continuing To Work and Learn Amid COVID-19

From creating positive distance learning environments to continuing to work and communicate remotely within our organizations, it should always be conveyed to employees, educators, and students that having remote work security policies and procedures is a universal responsibility

>> Read more.

Stethoscope laying on top of a laptop

Telemedicine in the Age of the Pandemic

As stay-at-home and work-at-home orders proliferated widely across America and the world, telemedicine became an integral part of healthcare services. Christopher Mandel discusses how telemedicine has progressed amid the pandemic and what it means for workers compensation.

>> Read more.

DC Court of Appeals

Lessons from Recent COVID-19 Business Interruption Decisions

As more business interruption coverage cases are decided, David Knapp offers his insights on the different approaches that courts have taken and provides guidance for policyholders seeking to make COVID-19 claims under their property policies. 

>> Read more.

Hotel room door lock and key card

COVID-19: Stay Safe While Traveling or Navigating Around Home

Even amid a pandemic, crime does not pause. Some perpetrators may be taking advantage of a moment of inattention caused by COVID-19 concerns. Here are some ways you can be proactive and reduce your chances of becoming a victim.

>> Read more.

More Resources

IRMI Podcast

IRMI Ag Podcast sponsored by Nationwide

Lessons from Disasters: Wildfires to COVID-19

What happens when the entire planet becomes a disaster area due to a pandemic? Rich Hallock, vice president of the Greenspan Company, discusses lessons learned from claims handling and elaborates on how working effectively in disaster areas like those caused by wildfires is normal for Greenspan; however, there's nothing normal about the impact of COVID-19.

Listen to the Podcast

IRMI Construction Podcast

COVID-19 and the Construction Industry

Gary Kaplan, president of AXA XL Construction, shares his perspective on how contractors and insurance companies are adapting regionally to COVID-19 and on the potential short- and long-term impacts of the prolonged pandemic on both the construction and insurance industries.

Listen to the Podcast

White Papers

Coronavirus COVID-19

Pandemic Strategies: Risk Management Lessons from the Ebola Crisis

This report explores the threats a pandemic poses to an organization, insurance coverage issues, loss control strategies, and how risk managers can learn from the current crisis to improve their organization’s ability to weather future catastrophic events.

Download the Report

Captive.com Articles

Record Breaking

COVID-19 Pandemic Could Contribute to Record Catastrophe Losses

The COVID-19 pandemic looks to rank among the insurance and reinsurance sector's most expensive events, contributing to total 2020 catastrophe losses ranging from $100 billion up to $160 billion.

 >> Read more

Relilience road sign

Reinsurers Exposed to COVID-19 Losses but Appear Resilient to Pandemic

As both the human toll and the business impact of COVID-19 continue to mount, reinsurers look well positioned to ride out the pandemic. The industry entered the crisis well capitalized. It's also likely to benefit from policy exclusions that will limit some pandemic-related losses..

 >> Read more

US Pandemic

As Business Losses Mount, Pandemic Backstop Discussions Grow

The human impact of the COVID-19 pandemic is obvious, undeniable, and often tragic, but there's also a significant toll on business. As many business try to determine how they'll cope with a significant loss of revenue, they are discovering that their business interruption (BI) coverage won't cover their COVID-19 losses.

 >> Read more

Crisis Management

COVID-19 and the Need To Think about Leadership and Crisis Management

As we self-quarantine and seek a return to normalcy, real leadership is called for. But what does leadership in a time of crisis look like? 

>> Read more.

Coronavirus Impact

COVID-19's Possible Impacts on Captive Insurers Are Varied

Captive insurance companies will no doubt feel the impacts of the novel coronavirus pandemic and the COVID-19 disease it causes, both in the near term and possibly in the future, as captive owners look to close holes the outbreak is revealing in insurance programs. 

>> Read more.

Exam and CE Updates for Insurance Professionals

WebCE

Testing, Exam, and CE Updates

IRMI subsidiary WebCE is tracking the latest updates regarding the following: 

  • Testing center closures for various licensing exams
  • States waiving self-study exam proctor requirements for insurance professionals
  • Renewal and CE due date extensions for insurance professionals

Access WebCE Updates

Subscription COVID-19 Resources

The links in this section highlight content that is available with a paid subscription. If you have questions or need assistance, please contact IRMI Customer Success or call us at (800) 827-4242

COVID-19 Insurance Law Essentials

A Second Win for Insurers in BL Coverage for COVID-19 Loss

In this Insurance Law Essentials Deep Dives, commercial property insurers win again as a D.C. court holds that losses suffered from restaurant closures due to the pandemic are not covered. This is the second court ruling out of hundreds of business interruption lawsuits against carriers.

    COVID-19 Coverage Issues Business Interruption Cases Map

    COVID-19 Business Interruption Cases

    Insurance Law Essentials, a comprehensive online legal resources bundle, provides a dynamic overview of the business interruption cases in each state. IRMI is tracking these cases as they progress and providing access to the court pleadings and the important motions filed by each party.

      Risk-Management

      Practical Risk Management

      The July 2020 update of Practical Risk Management includes two articles in the Risk Management Notes newsletter that explore in depth these issues related to the COVID-19 pandemic.

      Is There Possible Cash Flow Relief in Insurance Premium Payments?

      COVID-19 and Business Interruption Coverage

      Commercial Property Insurance

      Commercial Property Insurance Online Reference

      This comprehensive guide has recently been updated to include discussions of the optional endorsements made available by Insurance Services Office, Inc. (ISO) in February 2020 in response to the corona virus outbreak. The reference also includes in-depth analysis of key coverage provisions and the virus exclusion endorsement.

      Commercial Property Insurance Links

      Subscribers to the Commercial Property Insurance in IRMI Online or Reference Connect can access the following links.

      Business Income Loss From the Coronavirus

      February 2020 ISO Endorsements

      Key Coverage Provisions and the Virus Exclusion Endorsement

      Closed Due To COVID

      The Risk Report: Business Income Loss From the Coronavirus

      IRMI looks at the question of coverage for coronavirus business income loss, focusing on analysis of the policy language and the related court cases. Current proposals to alleviate the tremendous loss of income caused by the pandemic are also addressed.

      truck driver wearing a medical mask

      IRMI Workers Comp Online Reference

      This reference now includes workers compensation and COVID-19 resources to assist with navigating the new normal for employers and their workers. Subscribers can access links to state legislative/regulatory initiatives directed at compensability, state workers compensation administrative organizations COVID-19 content, and workers comp insurance regulators resources on COVID-19 

      United States Map

      COVID-19 Cancellations and Related Bulletins from Insurance Regulators

      The individual states departments of insurance have the authority to set guidelines for cancelling or nonrenewing insurance policies. With the spread and ramifications of the coronavirus (COVID-19), several state departments have issued directives regarding temporary regulations or grace periods for premium payment, cancellations or nonrenewal notices. Below is a listing of the states that have issued bulletins applicable to temporary suspension of payments, cancellations, or nonrenewal of personal lines and commercial property and casualty insurance policies during the COVID-19 state of emergency.

      Subscribers to the Commercial Liability Insurance, Commercial Property Insurance, Commercial Auto Insurance, IRMI Workers Comp, and Personal Risk Management and Insurance can access a synopsis of each state's bulletins along with links to the full text. This information will be updated regularly and is available in IRMI Online or Reference Connect. 

      Alabama Alaska Arizona
      Arkansas California Colorado
      Connecticut Delaware District of Columbia
      Florida Georgia Hawaii
      Idaho Illinois Indiana
      Kansas Kentucky Louisiana
      Maine Maryland Massachusetts
      Michigan Minnesota Mississippi
      Missouri Montana Nebraska
      Nevada New Hampshire New Jersey
      New Mexico New York North Carolina
      North Dakota Ohio Oklahoma
      Oregon Pennsylvania Rhode Island
      South Carolina Tennessee Texas
      Utah Vermont Virginia
      Washington West Virginia Wisconsin

      Other COVID-19 Resources

      The links in this section are to free third-party resources that we think you will find helpful and informative. These resources are not part of IRMI.com or IRMI subscription content.


      Employment Law

      Free Webinar—The Legalities of a Tough Situation: COVID-19

      To help employers navigate the challenges presented by COVID-19 and new legislation, Don Phin, coeditor of IRMI's Employment Practices Liability Consultant (EPLiC), has put together an in-depth webinar with information, tips, and best practices on how employers can respond to the evolving legal landscape.

      View the Webinar

      Zywave COVID Resource Center

      Zywave COVID-19 Resource Center

      As the number of COVID-19 cases continues to grow, proactive education and communication with your clients is critical. Use these resources, created by Zywave’s team of in-house experts, to help your brokerage and your clients navigate the COVID-19 pandemic.

      View Zywave Resources

      Get the Latest Updates from IRMI

      Free Expert Commentary—stay current on COVID-19 updates with our thought-provoking industry commentary written by industry experts.

      View Free Articles


      IRMI Podcast—listen in as industry experts give tips and strategies on how to gear your risk management and insurance programs for a pandemic.

      Listen to IRMI Podcast


      Subscription Resources      —risk management and insurance subscription content to help you navigate these unprecedented times.

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