EVENTS
Communicable Disease
NOT COVERED
What's not covered
Loss, damage or legal liability for or caused by, connected with or arising from any loss, damage, claim, cost, expense, legal liability, or other sum, directly or indirectly arising out of, or attributable to, a communicable disease or the fear or threat (whether actual or perceived) of a communicable disease.
Communicable disease means any disease which can be transmitted by means of any substance or agent from any organism to another organism where:
- the substance or agent can be of any kind and includes, but is not limited to, respiratory droplet, saliva, bodily waste, blood, a virus, bacterium, parasite, other organism, or any variation thereof, whether deemed living or not
- the method of transmission, whether direct or indirect, includes but isn’t limited to, airborne transmission, bodily fluid transmission, transmission from or to any surface or object, solid, liquid or gas or between organisms
- the disease, substance or agent can cause or threaten damage to human health or human welfare or can cause or threaten damage to, human health or human welfare or can cause or threaten damage to, deterioration of, loss of value of, marketability of or loss of use of property.