It's been six months since the world went under lockdown to stem the course of the coronavirus. Much about our lives has changed. Some things may never go back to the way they were (like blowing candles out on a birthday cake) and others, like investigating insurance claims, will be approached differently. History will tell us whether the decisions made were right or wrong. Whatever the determination, the reality is that there have been many casualties.

For insurers and their policyholders, the costs will become evident when claims are paid or denied, renewals are more expensive and exclusions expand to specifically include pandemics and other viral events. Every line of insurance will be affected, from directors & officers and business interruption to workers' compensation, specialty insurance lines and health insurance. Costs will certainly increase as companies recover from the losses incurred by this pandemic and prepare for the next one, which experts predict is a certainty.