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A Message from ABD’s Property & Casualty Team

As we head into the second week of “Shelter in Place” we wanted to send a note of thanks to each of our clients during this time as we each face our current norm. COVID-19 has raised several questions related to how companies manage pandemic-related risk and we’re seeing questions from you on how your policies will respond. From workers’ compensation and cyber risk to complex property disruptions – honestly, this is new to everyone.

At ABD, we’re here to guide you. We won’t claim to be the authority on COVID-19. We’re the authority on insurance – we’re here to review your policies line by line, on a case-by-case basis, speak directly with your carriers, and pay attention to decisions that are being made daily, hourly even, surrounding COVID-19.

What we’re watching

“Flattening the curve” has resulted in the largest “work-from-home” deployment in history. So, we’re keeping a close eye on how specific policies respond – workers’ compensation, general liability, cyber liability, property and business interruption. Specifically, how will employers monitor healthy environments for employees? Will policies treat COVID-19 differently than a typical excluded virus or bacteria?  Will COVID-19 (or future pandemics) ever be allowed as a work-related condition?

The answers to these questions are not easy. We continue to get updates from insurance carriers and learn about changes in legislation daily. We will leverage this information as we evaluate your unique situation and we’ll share as we learn, digestible versions of important information for you to stay informed, share with your team, and continue your operations.

As always, The ABD Team is here for you. One of our core principles is ‘in it together’ and we are indeed, in this together. Don’t hesitate to reach out to your team directly, but we encourage you to check back here often. We’ll post blogs authored by ABDers, links and videos to resources we’ve found helpful, and digestible overviews of articles from authorities on this everchanging subject.

Thank you all and stay healthy,

Rod Sockolov and Tom Whitenight


The ABD Team

About the author

The ABD Team

ABD Insurance and Financial Services provides risk management, insurance brokerage, human resources, and retirement consulting services. Our advisors offer guidance and craft innovative solutions to help address risk for clients of varying sizes, growth stages, and industries.


The information provided is of a general nature and an educational resource. It is not intended to provide advice or address the situation of any particular individual or entity. Any recipient shall be responsible for the use to which it puts this document. Newfront shall have no liability for the information provided. While care has been taken to produce this document, Newfront does not warrant, represent or guarantee the completeness, accuracy, adequacy, or fitness with respect to the information contained in this document. The information provided does not reflect new circumstances, or additional regulatory and legal changes. The issues addressed may have legal, financial, and health implications, and we recommend you speak to your legal, financial, and health advisors before acting on any of the information provided.

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