Many ministries are inquiring whether they are covered for claims arising from the novel coronavirus (COVID-19). As is common within the insurance industry, coverage likely won’t apply to most pandemic-related claims, and coverage will always depend on the facts of the ministry’s specific situation. 

Hypothetical claims questions cannot be answered. The facts presented in a hypothetical situation cannot contemplate all of the different facts of an actual claim situation. Our company’s claims analysis also needs to account for what’s happening in each community regarding COVID-19 and the guidance given by local, state, and federal officials, which is changing rapidly. Each claim scenario is different, and each ministry’s policy is unique. 

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