As we navigate through the current global crisis, many of us are turning to insurance policies to protect ourselves and our businesses. One area that has come under increased scrutiny is communicable disease coverage. As with any insurance policy, it is important to read the fine print and understand what is covered and, just as importantly, what is not covered. I came across a couple of interesting exclusion policies related to communicable diseases that I wanted to share. The first is from PT. CARAKA MULIA and is titled "LMA 5501 Political Risk Communicable Disease Exclusion." This policy excludes coverage for any losses related to a communicable disease, including Ebola, SARS, MERS, and COVID-19, if the disease is declared an epidemic or pandemic by authorities. While this policy may seem restrictive, it is important to note that political risk insurance is often purchased by companies that operate in high-risk environments, such as those with unstable governments or civil unrest. In such situations, a communicable disease outbreak could quickly become a political issue and impact the stability of the country, hence why it is specifically excluded. The second policy I came across is a more general exclusion for "Sickness, Communicable Disease." This policy, which I found on s3.studylib.net, excludes coverage for losses related to any sickness or communicable disease, unless specifically included. This means that if your insurance policy does not explicitly include coverage for COVID-19, for example, you will likely not be covered for any losses related to the disease. It is important to note that exclusions like these are not uncommon in insurance policies. Insurance companies must protect themselves from risks that they deem too great to cover, and communicable diseases are currently a significant risk for many businesses. As a result, it is more important than ever to carefully review your insurance policy and understand what is covered and what is excluded. Overall, while these exclusion policies may seem concerning at first glance, they are simply a reflection of the current state of the world and the risks that come with it. By staying informed and making informed decisions about insurance coverage, we can all protect ourselves and our businesses during these uncertain times.
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