ADJUSTERSINTERNATIONAL.COM 11 The complex interaction of business interruption coverage under commercial property cyber and equipment breakdown coverage is covered in issue #3048 of Adjusting Today titled “Business Interruption Coverage Times Three.” Liability Considerations In the immediate aftermath of a disaster there is typically a sense that members of the affected communities will rally to show solidarity and support for each other. The time comes, however, when people who are severely injured or suffered severe property damage will seek compensation from those they believe bear some responsibility. In the case of occupational injury there will be no avoiding the liability. In the wake of a disaster more people will be doing more work, much of it unfamiliar work outside of ordinary routines, and some of it hazardous. There is potential for increased frequency and severity of employee injury — and any workers compensation program for an employer in a disaster-prone area should reflect that. As for general liability exposure, keep in mind that public sentiment does not pay the bills for people who have suffered losses that are not fully insured on their own, such as complications arising from bodily injury or economic loss due to physical damage at a key time for an enterprise. WHAT TO WATCH FOR Does the workers compensation program for a business in a disaster-prone area account for the work hazards associated with disaster recovery?
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