Pandemic/ Epidemic/ Coronavirus Disease Exclusion Clause


Notwithstanding any provision to the contrary within this insurance policy or any endorsement thereto, it is agreed that this Insurance shall exclude any loss (multiple or single), claim, damage, bodily injury, liability, business interruption, loss of profit or any other consequential losses, cost or expense of whatsoever nature directly or indirectly caused by, arising out of, resulting from or in connection with an actual, or perceived, or fear of, an epidemic or pandemic (whether declared or not as such by the competent authorities), or infectious disease including but not limited to:

a)    Coronavirus disease (COVID-19);
b)    Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2);
c)    Any mutation or variation of the above.

This Insurance  also excludes any loss, claim, damage, bodily injury, liability, business interruption, loss of profit or any other consequential losses, cost or expense of whatsoever nature directly or indirectly caused by, arising out of, resulting from or in connection with any action taken or failure to take action in controlling, preventing, suppressing or in any way relating to such epidemic, pandemic, or infectious disease or any mutation or variation thereof.

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