Lloyd's Market Association Bulletin
LMA20-021-PD | 07 May 2020
Infectious or Contagious Disease Exclusion (for use on UK consumer and commercial property risks)
The Combined UK Commercial and Household Business Panel has published the attached model endorsement:
As with all LMA model clauses, it is purely illustrative and is distributed for the guidance of LMA members, who are free to agree to different conditions or amend as they see fit.
This endorsement is available on the Lloyd’s Wordings Repository (LWR), which can be accessed via www.lloydswordings.com.
The LMA has already published a Coronavirus Exclusion (LMA5391), which emanated from the Personal Accident market (Accident & Health); a Communicable Disease Endorsement (LMA5393) for use on property contracts; a Communicable Disease Exclusion (LMA5394) for use on property treaty reinsurance contracts; a Coronavirus Exclusion (LMA5395) for use on marine and energy liability contracts; a Communicable Disease Exclusion (LMA5396) for use on liability policies; and a Communicable Disease Exclusion (LMA5397) for use on power generation, construction and engineering policies.
The LMA continues to work with various Business Panels/Committees who have requested variants of the coronavirus clause and/or communicable disease language for their class of business. The LMA is, as usual, aiming for a common format/structure and consistency of language across LMA model clauses drafted in response to COVID-19.
Any queries regarding this wording should be referred to the LMA.
Deputy Director of Underwriting
Head of Contract Wordings