Infectious disease outbreaks are a unique and evolving risk globally. Since the Covid-19 pandemic, public perception of the role that businesses play in protecting consumers from contracting infections has heightened, whether that be an outbreak in a childcare setting, healthcare or hospitality.
MCI’s stand-alone, dedicated-limit coverage for outbreak liability remains unique in the marketplace and provides a tailor-made solution for insureds seeking a comprehensive coverage option.
What We Offer
Coverages
- Claims-made, 3rd party Bodily Injury cover, for negligence claims arising from an infectious disease outbreak.
- Standalone and Affirmative Coverage – dedicated policy with specific language to provide coverage certainty.
- Deductible Certainty – One deductible per outbreak, in contrast to per claimant deductibles, protecting Insureds from unreasonable overpayment of deductibles.
- Defence Costs
Coverage possible for
- Covid-19
- Pandemic and ‘Disease-X’
- Nosocomial Infections* (hospital acquired e.g. C. diff)
- Legionnaire’s Disease
Available Programme Structures
- Primary or “excess of loss” layers
- Direct or facultative reinsurance
What we target
Target Sectors
- Long term care
- Assisted living facilities
- Specialty and multidisciplinary clinics
- Individual practitioners
- Associations of practitioners
- Miscellaneous medical entities/exposures
- Hospitality
- Accommodation
- Childcare
- Higher education
- Retail
- Entertainment
- Municipalities
- Hospitals
Territorial Capacity
Worldwide basis, including US
Why we’re different
- The global leader in infectious disease liability having launched the coverage and team with deep subject matter expertise
- Targeted distribution across key industry sectors to build deeper relationships and deliver a consistent underwriting and marketing message
- Confident underwriting of risks of all sizes, with proven strength in both transactional and actuarially driven accounts
- Global appetite with the capability to accommodate US exposures
- Wide and flexible underwriting authority to meet diverse client needs
- Ability to offer long term agreements
- Innovation on certain diseases’ coverage where the insured or market has experienced losses
FAQ's
- What constitutes an “Infectious Disease”?
- We consider an infectious disease to mean an illness or disease transmitted from human-to-human or animal-to-human, caused by a virus, bacterium, fungus, parasite or protozoan microparasite (amoeba).
- Does this product cover Business Interruption?
- No
- Does the insurance cover animal / herd outbreaks?
- No – We do not currently offer coverage for this exposure.
- Can this product be used to cover food manufacturers?
- No – Product contamination arising from infectious disease should be covered under a separate Products Liability policy.
Infectious Disease Liability Insurance Team
