Closing Coverage Gaps Exposed by Covid-19

Alex Furlong, Senior Casualty Executive, One80 Intermediaries

The tragic Covid-19 outbreak has highlighted the significant coverage gap that traditional insurance has not been able to solve; non-damage business interruption as a result of an epidemic.  Most standard property damage policies require business interruption to be from physical damage and also typically exclude communicable diseases.  Coverage may be extended to include communicable diseases by endorsement, but only limited capacity is available and with restrictive terms.  

To close this coverage gap, my team at One80 Intermediaries has partnered with AM Best “A” rated carriers in London who have a deep expertise in epidemiology, statistics, risk modelling, finance and claims management, allowing us to offer a tailor made risk transfer solution that responds to future pandemic and epidemics. 

To that end, One80 Intermediaries has launched Pandemic Protector, offering both crisis management and non-damage business interruption for loss of gross profit due to an epidemic and/or pandemic outbreak.  This affordable protection for the invisible risk covers future outbreaks of known diseases such as Ebola and coronaviruses, as well as unknown newly emerging viral diseases.  An optional add-on coverage module for variants of influenza such as Swine Flu or Avian Flu is also available.  

Pandemic Protector is available to public and private sector entities of all sizes and across most major industries.  It provides access to specialized epidemic risk management experts to assist in outbreak mitigation and preparation.  Pandemic Protector is the most affordable solution in the market with premiums starting at just $35,000.  Further, this customized policy offers flexible definition of epidemic triggers to meet the unique needs of the insured.  Capacity can be released in proportional to the number of fatalities in the covered area, or coverage can respond when the World Health Organization (WHO) declares the disease a public health emergency of international concern (PHEIC), or finally coverage can respond when the WHO declares the disease a PHEIC and the covered area’s civil authority orders a lockdown.   

At One80 Intermediaries it is our mission to quickly respond to the needs of the insurance industry with market leading, innovative products and services.  Pandemic Protector is just another example – A New Direction in Specialty Insurance.



For more information on this program, please contact Alex Furlong at 770-344-7622 or

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