Property and casualty insurers can expect to be hit by a swirl of claims arising from swine flu that include actions against homeowners, businesses and health care facilities, a medical malpractice defense attorney predicts.

Charles Kutner, whose New York-based law firm defends individuals and institutions in the health care industry, said he believes p&c insurers of many stripes may be wise to modify coverage to limit liability.

As hypothetical examples of the kind of legal action the illness could create, Mr. Kutner suggested that a suit could arise if a guest contracted flu after attending a cocktail party where the host did not warn that their child had the illness.

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