There are not many options for managers and businesses that need swine flu insurance. Pandemic RX Insurance offered by AIG is one of few protections businesses need during an epidemic of this nature. Other than SARS there have not been many recent scares that would encourage managers and owners to take out this type of policy. Businesses should take this warning and review their continuity management arrangements. Make sure that your plans are up to date and train your staff for events like this. The best thing your people can do is practice better personal hygiene. You should run drills for working remotely should a disaster hit your company.
A pandemic producing large amounts of absent workers would typically not be covered under business interuption insurance because it usually only covers property loss. Workers Compensation may come into play but to be perfectly protected I would research Pandemic RX Insurance offered by AIG and other insurance companies.
The CDC says that there are 40 total cases of swine flu in the US and there have been 150 deaths in Mexico. Many of these have been found in New York and are related to some students who traveled to Mexico. Fortunately the airlines have stepped up for the average consumer who has a trip booked to Mexico.
Issues come up every day that are as of now more catastrophic than swine flu. Hopefully you never need business insurance but you will be very happy that you were smart enough to utilize it should you need help.
Take out business insurance today so that you can Rock n Roll tomorrow!
