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Why Insurance Doesn't Cover the COVID-19 Pandemic
Speaker: Bill Wilson, CPCU, ARM, AIM, AAM
Tuesday, May 25th at 2:00 PM ET

This webinar is based on the presenter’s 2020 book “Why Insurance Doesn’t Cover the COVID-19 Pandemic.” This program explains why insurance does not and cannot cover widespread catastrophic events and, more specifically, details the reasons why most business income insurance policies do not cover pandemics. The presenter provides a convincing argument as to why the “direct physical loss of or damage to property” requirement to trigger the insuring agreement is not fulfilled by a SARS-CoV-2 presence, countering litigation alleging otherwise. Also discussed are how a definition of “direct physical” is effectively provided within another policy definition, why orders of civil authority do not trigger that additional coverage, and why, even if there IS coverage for COVID-19 claims, it won’t amount to much. The webinar concludes with a consideration of the viability of a TRIA-like PRIA proposal for future pandemics.

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Bill Wilson, CPCU, ARM, AIM, AAM

Bill Wilson is the founder and CEO of, an insurance industry blog and information resource focused on coverage and emerging industry issues. He previously served as associate vice president of education and research for the Independent Insurance Agents & Brokers of America. A 50-year industry veteran, Wilson has written thousands of articles and made hundreds of presentations. He is the author of four books, including “When Words Collide: Resolving Insurance Coverage and Claims Disputes.” He holds the CPCU, ARM, AIM, and AAM designations.



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