As our understanding of SARS-CoV-2 (novel coronavirus) continues to deepen, so too does our understanding of how to combat the spread of the disease. As we now know, COVID-19 spreads primarily through contact with an infected person when they cough or sneeze. It may also spread when a person touches a surface or object that has the virus on it, then touches their eyes, nose, or mouth. The disease causes respiratory illness with symptoms such as a cough, fever, fatigue, and in severe cases, shortness of breath and breathing difficulty. To better protect your health and that of your employees, we recommend the following the behavioral measures to prevent spread of this contagious virus:

  • Wash your hands regularly for at least 20 seconds with soap and water or alcohol-based hand sanitizer
  • Cover your nose and mouth with a disposable tissue or flexed elbow when you cough or sneeze
  • Avoid close contact with people who are ill
  • Stay home and self-isolate from others in the household if you feel ill
  • Do not touch your face, eyes, nose, or mouth if your hands are not clean

Environmental measures to prevent the spread of COVID-19 may include routine cleaning and disinfection of frequently touched surfaces in your household or workplace. These surfaces may include tables, doorknobs, light switches, handles, desks, toilets, faucet handles, and sinks. All cleaning products are not created equal, and it’s important to know which products specifically work on the coronavirus, how to use them for maximum effectiveness, and which products to avoid.

Cleaning
Refers to the removal of germs, dirt, and impurities from a surface. Cleaning does not kill germs; however, by removing and lessening them, it lowers the risk of spreading infection.

Disinfecting
Refers to using chemicals to kill germs on surfaces. The process does not necessarily clean dirty surfaces or remove the germs, but by killing the germs on a surface after cleaning, it can further lower the risk of spreading infection.

The U.S. Environmental Protection Agency (EPA) has developed a list of EPA-registered products that have qualified for use against SARS-CoV-2, the novel coronavirus that causes COVID-19.  EPA List N currently (as of 03.19.2020) contains 287 products listed by EPA registration number and common brand name with demonstrated effectiveness against hard-to-kill viruses and other human coronaviruses. It is noted that disinfectant products without an EPA registration number have not been evaluated and approved as effective in killing viruses and bacteria.


Please be advised that any and all information, comments, analysis, and/or recommendations set forth above relative to the possible impact of COVID-19 on potential insurance coverage or other policy implications are intended solely for informational purposes and should not be relied upon as legal advice. As an insurance broker, we have no authority to make coverage decisions as that ability rests solely with the issuing carrier. Therefore, all claims should be submitted to the carrier for evaluation. The positions expressed herein are opinions only and are not to be construed as any form of guarantee or warranty. Finally, given the extremely dynamic and rapidly evolving COVID-19 situation, comments above do not take into account any applicable pending or future legislation introduced with the intent to override, alter or amend current policy language.


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