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Defense Digest

COVID-19 and Florida’s Health Care Provider Liability Protection

Defense Digest, Vol. 27, No. 3, June 2021

June 1, 2021

by Megan J. Nelson

Key Points:

  • Florida Statute 768.38 and Florida Statute 768.381 offer liability protection for health care providers against claims related to COVID-19.
  • In order for the immunity to apply to a health care provider, the complaint must state the damages, injuries or death were related to COVID-19.
  • An affirmative defense that may apply to COVID-19-related claims against a health care provider is substantial compliance with government-issued health standards specifically related to COVID-19 when the injury occurred.

The coronavirus was first detected in Florida on March 1, 2020, and from its start, health care providers and facilities have been overrun with sick patients and limited supplies. At the beginning of the pandemic, multiple health care organizations provided guidance on how to properly manage patients during the crisis. Hospitals, nursing homes, assisted living facilities, and doctor’s offices were running low on supplies, and many patients were dying from COVID-19. More than a year has passed since the pandemic began, and Florida is being overrun with lawsuits against health care providers and facilities for claims associated to damages, injuries and deaths related to COVID-19. On March 29, 2021, Florida Governor, Ron DeSantis, signed CS/SB into law, creating Florida Statute 768.38 and Florida Statute 768.381, which offer liability protection for health care providers against claims related to COVID-19.

Florida Statute 768.381 provides liability protection for health care providers, including hospitals, nursing homes and assisted living facilities, against claims brought by a patient (or legal representative) related to damages, injuries or death due to COVID-19.

The liability protection for COVID-19-related claims against a health care provider mainly relates to claims arising from the diagnosis or treatment of a person for COVID-19, the provision of a novel or experimental COVID-19 treatment, the transmission of COVID-19, and the delay or cancellation of a surgery or medical procedure.

The new law will apply retroactively. A plaintiff will have one year from the time the injury related to COVID-19 occurred to bring a lawsuit. However, if a lawsuit for a cause of action related to COVID-19 were filed before March 29, 2021, the liability protection would not apply.

A plaintiff will still be required to participate in Chapter 766 pre-suit investigation. The liability protection will not be addressed until a complaint has been filed. For the liability protection to apply to a health care provider, the complaint must be pled with particularity. Meaning, the complaint must state that the damage, injury or death was related to COVID-19 and was caused by the health care provider’s acts or omissions.

There has been a recent surge in COVID-19 lawsuits, and plaintiffs have become creative in the language contained in their complaints. The language may claim an injury or death caused by a health care provider’s negligence related to COVID-19 without using the term COVID-19. For example, instead of the complaint stating the plaintiff died due to contracting COVID-19, the complaint will state the plaintiff died due to contracting a respiratory illness that eventually led to multi-organ failure.

Currently throughout the United States, cases related to COVID-19 injuries and death have been moved to federal court. This is due to the federal government allowing the COVID-19 pandemic to fall under the PREP Act. The PREP Act grants liability immunity to entities and individuals involved in developing, manufacturing, testing, distribution, administration and use of medical countermeasures. As the COVID-19 pandemic continued, seven amendments have been made to the PREP Act related to the medical countermeasures and who qualifies for immunity as a covered person. Health care providers and facilities have been identified as a covered person. With each amendment, the definition and qualification of a covered person have become more defined.

Once these cases are moved from state court to federal court, the judges must determine if the complaint was pled with particularity to include a cause of action related to COVID-19. The majority of federal courts have determined that the complaints do not include the specific language regarding COVID-19-related claims. Since the complaints do not specifically state a claim related to COVID-19, the health care provider does not qualify for immunity under the PREP Act. Therefore, the cases are sent back to the corresponding state court to be tried under that state’s medical negligence standard.

Florida has joined ranks with other states to combat these lawsuits and provide liability immunity to health care providers. Although Florida has passed a new law that gives liability immunity to health care providers and facilities, it is not an instant immunity. A complaint must still be filed, and the plaintiff must prove that the health care provider was negligent. However, if the health care provider can prove that they followed the guidance and standards from health care organizations, federal agencies or Florida agencies at the time of the incident, then immunity will apply.

The burden of proof that the plaintiff must prove is by the greater weight of the evidence. The plaintiff must prove more than just medical negligence. They must prove that the health care provider was grossly negligent or engaged in intentional misconduct. This means that the health care provider’s conduct must have been deliberate or committed with reckless disregard for the patient’s safety.

Even with this new law, in order for the immunity to apply to a health care provider, the complaint must state the damages, injuries or death was related to COVID-19. If the complaint states the medical negligence was related to anything other than COVID-19, the liability protection may not apply.

However, if the damage, injury or death is related to COVID-19 (e.g., medical diagnosis of COVID-19, positive COVID-19 respiratory swab, death certificate states cause of death was COVID-19), the health care provider should state the liability protection in the affirmative defenses. The new law provides additional affirmative defenses a health care provider should use.

The affirmative defenses that may apply to COVID-19-related claims against a health care provider include substantial compliance with government-issued health standards specifically related to COVID-19 when the injury occurred. This includes the early standards related to preserving or prioritizing supplies, materials or equipment due to widespread shortages of those necessary items.

Since the pandemic began, federal and state health care agencies have performed unannounced facility investigations to verify proper compliance with recommended health standards. Those certificates of compliance will be essential in proving that the facilities were making a good faith effort and substantially complied with the appropriate health standards at that time.

It will be essential to talk with your attorney regarding your facility’s compliance with the health care standards as soon as the pre-suit investigation begins. Although the court will not have a pre-suit hearing on health care liability protection related to COVID-19, it will help determine the strategy for the defense of your case.

*Megan is an associate in our Orlando, Florida office. She can be reached at 407.420.4381 or mjnelson@mdwcg.com.

Defense Digest, Vol. 27, No. 3, June 2021 is prepared by Marshall Dennehey Warner Coleman & Goggin to provide information on recent legal developments of interest to our readers. This publication is not intended to provide legal advice for a specific situation or to create an attorney-client relationship. ATTORNEY ADVERTISING pursuant to New York RPC 7.1. © 2021 Marshall Dennehey Warner Coleman & Goggin. All Rights Reserved. This article may not be reprinted without the express written permission of our firm. For reprints, contact tamontemuro@mdwcg.com.

Firm Highlights

Result

No-Cause Jury Verdict Secured in Wrongful Death Trial

We successfully obtained a no-cause jury verdict in a 13-day wrongful death trial. The decedent, a 59-year-old man, was admitted to the emergency room on February 15, 2019, with complaints of abdominal pain, decreased appetite, and constipation, despite the use of laxatives. The patient did not complain of any nausea, vomiting, or diarrhea. He had a significant medical history including diabetes, hypertension, prior coronary artery stenting, morbid obesity (with past gastric bypass surgery), longstanding ventral hernia, and back pain. A CT scan revealed multiple hernias and a potential closed-loop bowel obstruction, leading to a surgery consultation. Our client, an emergency general surgeon, interpreted that the patient did not have a closed loop or any significant obstruction and recommended non-surgical management. The patient was approved to have clear liquids, and had a vomiting incident shortly after, but our client was not notified. The patient was returned to NPO status, and after improving overnight, he was returned to “clears” and additional medical and renal consults were ordered. Our client did not receive any communications from the residents/nurses of any changes in the patient’s condition. On February 18, 2019, two rapid responses were called due to increased heart rate and vomiting. It is believed that the vomiting resulted in aspiration, causing sepsis, ultimately leading to the patient’s death. During the trial, the plaintiff’s sole medical expert highlighted imaging on the wrong hernia, which called into question all of his opinions in the case. We made key objections related to the expert testimony, limiting what the allegations were, and preventing new allegations from being made. After approximately two and a half hours of deliberating, the jury returned a no-cause verdict. 

Thought Leadership

Featured Conversations... Key Takeaways from A.M. Best’s Webinar on the Misuse Defense in Product Liability Claims, Featuring Michael Salvati

Michael Salvati, shareholder in our Philadelphia office, was a panelist for the April A.M. Best webinar, “The Misuse Defense: Strategic Approaches to Defending Product Liability Claims for Insurers.” During the program, Michael and his fellow panelists offered practical, jurisdiction‑specific guidance on how misuse and failure‑to‑warn theories intersect in modern product liability litigation. Michael emphasized the unique challenges these claims present—particularly in states like Pennsylvania, where evidentiary rules diverge sharply from those applied in many other jurisdictions. Failure to Warn as the “Flip Side” of Misuse Salvati explained that failure‑to‑warn allegations often arise as a direct counter to a misuse defense. As he noted, “If our misuse defense is that the plaintiff didn't use a product properly or safely, then the failure to warn claim is that we didn't tell them how to use it properly.” He emphasized that these claims can stem from either the absence of warnings or criticisms of existing warnings, such as insufficient specificity or lack of clarity about risks. Pennsylvania’s Unique Evidentiary Landscape One of Salvati’s most notable points was the stark difference in how Pennsylvania treats evidence of compliance with industry standards. He highlighted that Pennsylvania is “one of the only states…where that evidence is not admissible” in strict liability cases. Manufacturers cannot rely on compliance with ANSI, UL, ISO, or even federal safety standards to defend the product against a strict liability claim—because the focus is solely on the product itself, not the manufacturer’s conduct. Salvati acknowledged the challenge this creates for defense counsel and clients who expect such compliance to carry weight. Understanding the Three Defect Theories Salvati also walked through the three primary defect theories recognized in many jurisdictions: - Design defect – a flaw in the product’s intended design - Manufacturing defect – a deviation affecting a specific unit - Failure to warn – inadequate instructions or warnings He noted that warnings claims are increasingly significant and sometimes stand alone when design or manufacturing theories are weak. As he put it, plaintiffs often default to warnings claims because “the default position seems to be, ‘If I got hurt, there must be something wrong.’” Warranties and State‑by‑State Variations Salvati addressed how breach‑of‑warranty claims fit into the broader framework, explaining that implied warranties—such as merchantability—often overlap with strict liability in Pennsylvania. He emphasized the importance of understanding local nuances, as warranty law and admissibility rules vary widely across states. Looking Ahead: The Growing Importance of Warnings In his closing remarks, Salvati stressed that warnings should never be treated as an afterthought in product liability defense. He observed that warnings‑only claims are becoming more common and urged manufacturers and insurers to continually evaluate the clarity and completeness of their instructions and warnings. His takeaway: “We should always be talking about what are the instructions that come with our products…to bolster a misuse defense.” Listen to the complete webinar here: https://www3.ambest.com/conferences/events/eventregister.aspx?event_id=WEB1074.

Thought Leadership

The Enforceability of Online Arbitration Agreements Remains Unresolved in Pennsylvania, But the Pennsylvania Superior Court has Provided Substantive Guidance on the Issue

Key Points: The Pennsylvania Supreme Court confirms that an order compelling arbitration is not immediately appealable as collateral orders. The outcome of Chilutti II has generally left the substantive enforceability issues with browsewrap agreements unresolved in Pennsylvania. Until this issue is resolved by the Pennsylvania courts, companies operating in the Commonwealth should strive to ensure that their registration websites and/or application screens conspicuously present arbitration agreements in manners which ensure their users and consumers assent to the terms of the agreements by following the standards set forth in Chilutti I. Browsewrap agreements have been defined as agreements “‘in which a website offers terms that are disclosed only through a hyperlink and the user supposedly manifests assent to those terms simply by continuing to use the website,’ and typically do not require an electronic signature.” See, Cobb v. Tesla, Inc., 2026 WL 458470, at *1 n. 2 (Pa. Super. Feb. 18, 2026) (citation omitted). They are largely regarded as the “if you keep using this, you agree to everything buried in this link” terms embedded into almost every online agreement consumers and users sign before proceeding with purchases of goods and/or services. While consumers are generally aware of them, many almost never click on the link, nor read them in their entirety. This leaves many consumers and users ignorant of the terms and impact of such agreements. However, one’s ignorance of the otherwise neatly-tucked-away terms rarely renders them unenforceable. The issue of the enforceability of browsewrap agreements has been up for debate for some time in many jurisdictions, including Pennsylvania. Indeed, Pennsylvania had a brief grip on this issue for a period in time. Specifically, in 2023, an en banc Superior Court set forth heightened standards for companies to meet in order to secure assent and enforce browsewrap arbitration agreements. See Chilutti v. Uber Techs., Inc., 300 A.3d 430 (Pa.Super. 2023) (en banc) (“Chilutti I”) Chilutti I involved a husband and wife who sued Uber and its subsidiaries after the wife, a wheelchair bound passenger using Uber’s rideshare service, fell, struck her head, and lost consciousness due to her uber driver failing to provide a seatbelt and making an aggressive turn during the trip. The Chilutti’s filed a negligence lawsuit against Uber and its subsidiaries. In response, the defendants moved to compel arbitration, arguing that “the couple’s conduct on the company’s website and application — when they registered for the ridesharing service — signified that they agreed to be bound by the mandatory arbitration provision found in the hyperlinked terms and conditions.” The trial court granted the defendants’ petition and stayed the proceedings pending the results of arbitration, and the Chilutti’s appealed. On appeal, the Superior Court addressed two issues. First, it addressed the issue of whether it had jurisdiction to hear the appeal. A divided Superior Court determined that it did, with its basis for the holding being that the order from which the Chilutti’s appealed was a collateral order. Next, the Superior Court set out to address the merits of the Chilutti’s substantive claim. The Superior Court concluded that the parties lacked a valid agreement to arbitrate. Its rationale was that Uber’s website and application did not provide reasonably conspicuous notice of the terms to the Chiluttis. In reaching this decision, the en banc Superior Court held that browsewrap arbitration agreements are enforceable in Pennsylvania only if the registration website and application screens explicitly inform consumers that they are waiving the right to a jury trial, the registration process cannot be completed until the consumer is fully informed of this waiver, and, when the agreement is available via hyperlink, the waiver appears at the top of the first page of the terms in bold, capitalized text. Since the ruling, Pennsylvania courts have applied Chilutti I to determine if browsewrap agreements are enforceable.  For instance, the Allegheny County Court of Common Pleas invoked Chilutti I to reject an agreement that lacked an express jury-trial waiver on the assent screen.  See Miller v. Festival Fun Parks, LLC, 92 WDA 2025 (C.P. Alleg. Cnty. Mar. 24, 2025). Similarly, the Superior Court has held that notice which failed to explicitly state the consumer was waiving a jury-trial right did not “me[e]t the strict burden set forth by our en banc Court in Chilutti I.” Pierce v. FloatMe Corp., 348 A.3d 1077, 1088 (Pa. Super. 2025). While the issue of enforceability of browsewrap agreements appeared to have been resolved by Chilutti I, Pennsylvania courts’ grip on this issue has been slackened by the Pennsylvania Supreme Court’s January 21, 2026, opinion in Chilutti II. See Chilutti v. Uber Techs., Inc., 349 A.3d 826 (Pa. 2026) (“Chilutti II”). Therein, the Supreme Court did not address the merits of the Chiluttis’ substantive claim, but rather the issue of whether the Superior Court had appellate jurisdiction to immediately review the orders staying litigation pending arbitration. The Court ultimately vacated the en banc opinion on jurisdictional grounds, holding that the Superior Court did not have appellate jurisdiction because the trial court’s order from which the Chiluttis appealed did not qualify as a collateral order and, thus, the Superior Court erred in holding to the contrary and lacked jurisdiction to entertain the merits” of the Chiluttis’ substantive claim. As such, Chilutti II has rendered Chilutti I nonbinding, and the issue of enforceability of online arbitration agreements remains unresolved. However, in light of the fact the Supreme Court did not address or comment on the merits of the Chiluttis’ appeal, Chilutti I is still meaningful. Specifically, it provides guidance as to the standards a company should strive to meet to ensure they have obtained users’ assent so that they are able to enforce online arbitration agreements. Additionally, it may serve as persuasive authority in judges’ evaluations of petitions and/or motions to compel browsewrap arbitration agreements until this particular issue is properly put before our appellate courts. Keanna works in our Pittsburgh, PA office. She can be reached at (412) 803-1174 or KASeabrooks@MDWCG.com.