Lloyd's Market Association Bulletin

LMA20-017-PD | 17 April 2020

Communicable Disease Exclusion (For use on liability policies)

The LMA International Liability Business Panel and US General Liability Business Panel have published the attached model endorsement:

  LMA5396 Communicable Disease Exclusion (For use on liability policies)

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 also be accessed via the Lloyd's Wordings website, as well as on the International Liability Business Panel section of the LMA Website.

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; and a Coronavirus Exclusion (LMA5395) for use on marine and energy liability contracts.

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.

Patrick Davison
Deputy Director of Underwriting
Alison Colver
Head of Contract Wordings