Firms need to review their pandemic plans and protect themselves from potential liabilities in the wake of the Middle East Respiratory Disease (MERS) outbreak, which poses new challenges compared to the 2002-03 SARS crisis. With limited pandemic covers in the market, firms need to review their existing policies and processes to respond accordingly, according to experts at a recent seminar hosted by JLT and the Pan-Asia Risk & Insurance Management Association (PARIMA).