Bed Bug Insurance

Perhaps while you were growing up, your mother or grandmother or father would tuck you in and say, “Sleep tight. Don’t let the bedbugs bite.” Fortunately, most children are not horrified at such a suggestion because they don’t know what a bedbug is. Thankfully!

Lately, bedbugs have been in the news again. Yes, these bugs, which were at one time nearly extinct, are making a comeback, primarily because more people travel more extensively, both here and abroad. Sleeping in even the most posh hotels puts us at risk for “letting the bedbugs bite.”

So how do insurance companies handle these little devils?  Well, several ways, it turns out.

They are covered by the commercial general liability, but it’s complicated.

Businesses which are insured, for example, hotels, motels, inns, bed & breakfasts, and hostels  are excluded from damages that are incurred from an infestation of rodents or insects.

Clearly there is a a duty to defend and even indemnify a guest of one of those establishments, and the courts have underscored that of late with some pretty hefty settlements from the courts.

While this sort of claim is still being felt out, the insured would be wise to find ways to mitigate the damage these pests can cause by taking steps to make them vacate the establishment.

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