How is coverage triggered?

• Closure of a insured premises by a "public health official"
• Closure must be on or emanating from your operational premises scheduled on the policy
• Closure must be caused by a covered contagion

Coverage Enhancements

• OUTBREAK^SM Extra Expense covers closure of your premises caused by a workplace violence incident.  Closure may be affected by law enforcement or other official.  Coverage applies for a maximum of five days.

What is excluded?

OUTBREAK^SM Extra Expense does not respond to general quarantine orders.  The policy is premises specific and per above, the closure must be on or emanating from your premises.

• Geographic or Industry shutdowns that are not caused by a public health official or a covered contagion that does not originate or emanate from your operational premises are not covered by this policy.
• While Outbreak Extra Expense responds to a wide variety of contagions and communicable diseases, some examples of excluded contagions include:  Viral Hemorrhagic Fevers, Anthrax, Sarin, and Smallpox.  See policy for complete details.
  
• Terrorism (buyback may be available).

Frequently Asked Questions