<p style="text-indent: 0in;"><span style="color: #000000; letter-spacing: 0.1pt;"><strong>The National Association </strong></span><span style="color: black;"><span style="color: #000000;"><strong>for the Advancement of Orthotics and Prosthetics (NAAOP)</strong> </span></span><span style="color: black;">has partnered with Miller Friel, a business insurance law firm in Washington DC, to help O&P practices, manufacturers, and suppliers follow a step-by-step approach to filing a business insurance claim for COVID-19-related losses.</span></p> <span style="color: black;">Miller Friel is advising its clients to follow a three-step strategy using a red light/green light approach, as follows: </span> <p style="margin-left: 9.0pt; text-indent: -9.0pt;"><strong><span style="color: black;">1. Review relevant policies. </span></strong><span style="color: black;">For most businesses this will include Property and Business Income policies (Property/BI policies). If also purchased, pollution-specific policies (PLL) are also relevant.</span></p> <p style="margin-left: 9.0pt; text-indent: -9.0pt;"><strong><span style="color: black;">2. Review and characterize policies as either red light or green light policies. </span></strong><span style="color: black;">Red light policies are those that contain a bacteria/virus or communicable disease exclusion. Green light policies are all others.</span></p> <strong><span style="line-height: 107%; color: black;">3. Immediately provide notice of claims to insurers for all green light policies. </span></strong><span style="line-height: 107%; color: black;">Most Property/BI policies require notice "as soon as practicable" from date of loss.</span>
<p style="text-indent: 0in;"><span style="color: #000000; letter-spacing: 0.1pt;"><strong>The National Association </strong></span><span style="color: black;"><span style="color: #000000;"><strong>for the Advancement of Orthotics and Prosthetics (NAAOP)</strong> </span></span><span style="color: black;">has partnered with Miller Friel, a business insurance law firm in Washington DC, to help O&P practices, manufacturers, and suppliers follow a step-by-step approach to filing a business insurance claim for COVID-19-related losses.</span></p> <span style="color: black;">Miller Friel is advising its clients to follow a three-step strategy using a red light/green light approach, as follows: </span> <p style="margin-left: 9.0pt; text-indent: -9.0pt;"><strong><span style="color: black;">1. Review relevant policies. </span></strong><span style="color: black;">For most businesses this will include Property and Business Income policies (Property/BI policies). If also purchased, pollution-specific policies (PLL) are also relevant.</span></p> <p style="margin-left: 9.0pt; text-indent: -9.0pt;"><strong><span style="color: black;">2. Review and characterize policies as either red light or green light policies. </span></strong><span style="color: black;">Red light policies are those that contain a bacteria/virus or communicable disease exclusion. Green light policies are all others.</span></p> <strong><span style="line-height: 107%; color: black;">3. Immediately provide notice of claims to insurers for all green light policies. </span></strong><span style="line-height: 107%; color: black;">Most Property/BI policies require notice "as soon as practicable" from date of loss.</span>