Can Coronavirus Become a Work Comp Claim?
Yes, if an employee who during the course and scope of employment came in close contact with a party infected with the coronavirus. Below are some examples where employers may be responsible:
Employees who travel overseas for business and contract the illness.
Employees who are exposed to the illness at work by an infected coworker.
Employees who are assigned to work in a location with infected parties.
Steps to Take Now to Protect Your Workers from Coronavirus
Health authorities now believe infected people can spread the virus before they begin to show symptoms, increasing the likelihood that they will pass the illness to others. This makes promoting healthy habits in the workplace especially important.

The Centers for Disease Control and Prevention (CDC) recommends the following actions. You can also visit the CDC website for more information.
https://go.icwgroup.com/l/279432/2020-03-03/dtl1m/279432/162964/Stop_The_Spread_Of_Germs.png
CDC Downloadable Poster
Ensure sick employees stay home: Employees should stay home if they are experiencing acute respiratory illness symptoms such as fever, cough and shortness of breath, and they should not come back to work until they are symptom free for at least 24 hours. If an employee appears to arrive to work sick or becomes sick during the day, he or she should be separated from other employees and sent home immediately. If you have contract or temporary employees, talk to the companies that provide these employees to ensure sick workers stay home.

Be Flexible with Your Sick Leave Policies: Make sure your sick leave policies are flexible and consistent with public health guidance and that employees are aware of these policies.

Educate Employees: Place posters in common areas that encourage staying home when sick, to use cough and sneeze etiquette, and remind everyone to wash their hands.

Keep Supplies Stocked: Make sure tissues, hand sanitizer and soap and water are regularly stocked and accessible.

Perform Routine Cleaning: Clean commonly touched surfaces regularly. Provide disposable wipes to employees so they can keep their workstations clean as well.

Take Steps Before Employees Travel: If you have any employees who are required to travel for business, be sure to check CDC’s Traveler’s Health Notices for guidance.

Did you know that an often missed coverage or one written with very modest limits is a valuable coverage on most home or property insurance policies? When trying to save money on your property insurance maybe leaving off or not buying more of this Stinky Coverage” doesn’t makes cents BUT could costs you BIG dollars.

Sewer and drain backup coverage provides you coverage if your city sewer system backs up into your property through sinks, showers and bathtubs. Although most insurance companies offer this coverage (some don’t!) they do so at a $5000 dollar limit. Yet you can purchase coverage for up to $100,000 for usually under $100.00 a year.

Just imagine waking up to the smell of raw sewage streaming across you floors and clinging on to your walls and furnishings and finding out you don’t have any coverage or just enough to wonder why you didn’t get more.

I am attaching a very good article on this very subject by accessing the link provided.

Please feel free to contact your Pacific Partners agent or give our office a call so we can review your policy to make sure this valuable coverage is available to you.

WATER DAMAGE PREVENTION

Water damage is the second-most frequently filed homeowner insurance claim. In fact, one in 65 homes has a water damage claim each year.

Statistics have shown that we are seven times more likely to experience water damage rather than fire damage and six times more likely to experience water damage than a burglary.

The frequency and the severity of water losses significantly increase when a property is a secondary or vacation home. When a leak is left unnoticed over a period of time, the damage can be devastating. Oftentimes, mold results, which is rarely covered by insurance.

One word: “PLUMBING”

Solution: SIMPLE – Turn the water off at the main when the home is unoccupied !

Here is a list of things that can protect a home from water damage:

· Check hoses, toilets and faucets on a regular basis.

· Know where and how to shut off your water main. In most situations, shutting off the water main will stop the flow of water.

· Install floor pans under appliances. While they can’t prevent a catastrophic leak, they can prevent damage from small slow undetected leaks.

· Consider water leak detection alarms and automatic shut-off valves. When water is detected in a specific area, an alarm is triggered or the water is shut off to prevent further damage

Please feel free to contact our underwriters for more information about this and all of our products and services.

Nationwide Private Client Risk Solutions recommends the following tips to be safe on the road.

Prepare for your road trip

• Take your vehicle to be inspected by a qualified mechanic several days before you depart.
• Make sure your vehicle is in good working order for your trip, including but not limited to tires, battery, belts, fluids and air conditioner.
• Ensure child car seats are properly installed and are size-appropriate.
• Get a good night’s sleep. Drive only when well rested, and make sure to stop every two hours or 200 miles to stay sharp. Pack an emergency kit, and include:
  • :Water
  • Warm blankets
  • Flashlight
  • Jumper cables
  • Flares or reflectors
  • Tools to change a tire
  • First-aid kit
  • Fully charged cellular phone