eS, between the lines: In the past couple of years I have observed a significant increase in the number of Legionnaires’ outbreaks making the news. When I make a statement like that it means you need to be strategizing with your insureds about their exposure to Legionnaires’ Disease.
ERMI has sent out several articles on this significant health risk, but for a little background, Legionnaires’ Disease is caused by a bacteria called legionella that is spread through the air, not person to person.
Legionnaires’ is an environmental exposure that can impact anyone using central air conditioning systems, fountains, room-air humidifiers, ice-making machines, whirlpool spas, water heating systems, showers, misting systems typically found in grocery-store produce sections, cooling towers used in industrial cooling systems, evaporative coolers, nebulizers, humidifiers, etc.
If the Magic Kingdom, the “happiest place on earth,” can be impacted by Legionnaires’ Disease, just about anyone can. Moreover, one can face the reputational risk it creates for those with a Legionnaires’ Liability.
Site Pollution insurance policies can cover your insureds for Legionnaires’ Disease. When it comes to strategizing with your insureds about Legionnaires’, the cleanup after an outbreak is the fourth concern your insured should be focused on. The first three are:
- Third-Party Bodily Injury
- Defense Cost
- First and Third-Party Business Income
Can your insureds afford to self-insure as most businesses are right now for Legionnaires?
What is your insured’s financial assurance strategy for Legionnaires’ Liabilities?
Is your E&O insurance the only financial assurance strategy your insureds may have for Legionnaires’ Liabilities?
Disneyland shuts down cooling towers over Legionnaires’ cases
http://www.cnn.com/2017/11/12/health/disneyland-legionnaires-anaheim/index.html