LMA5506 Communicable Disease Endorsement (For use on US Errors and Omissions policies)

COMMUNICABLE DISEASE ENDORSEMENT
(For use on US Errors & Omissions policies)

1. Notwithstanding any other provision of this policy to the contrary, this policy imposes no duty to defend, and does not cover, any actual or alleged loss, liability, damage, compensation, injury, sickness, disease, death, medical payment, defence cost, cost, expense or any other amount, directly or indirectly and regardless of any other cause contributing concurrently or in any sequence, originating from, caused by, arising out of, contributed to by, resulting from, or otherwise in connection with a Communicable Disease or the fear or threat (whether actual or perceived) of a Communicable Disease.

2. For the purposes of this endorsement, paragraph 1 above shall not apply to any claim arising directly out of any act, error, or omission of the assured in rendering or failing to render professional services for others in any professional capacity for which coverage is specifically given under this policy or any endorsement thereto.

3. Any loss, liability, damage, compensation, injury, sickness, disease, death, medical payment, defence cost, cost, expense or any other amount, includes, but is not limited to, any cost to clean-up, detoxify, remove, monitor or test for a Communicable Disease.

As used herein, a Communicable Disease means any disease which can be transmitted by means of any substance or agent from any organism to another organism where:

a. the substance or agent includes, but is not limited to, a virus, bacterium, parasite or other organism or any variation thereof, whether deemed living or not, and

b. the method of transmission, whether direct or indirect, includes but is not limited to, airborne transmission, bodily fluid transmission, transmission from or to any surface or object, solid, liquid or gas or between organisms, and

c. the disease, substance or agent can cause or threaten bodily injury, illness, emotional distress, damage to human health, human welfare or property damage.

LMA5506
10 June 2020

LMA5506 Communicable Disease Endorsement (For use on US Errors and Omissions policies)