1. This exclusion is applicable to any claim based upon or arising out of any alleged transmission of a communicable disease.
2. This exclusion also applies even if the claim against the insured alleges negligence or other wrongdoing in the:
   
   1. supervision, hiring, employment, training or monitoring of others that may be infected with and spread any communicable disease;
   2. testing or failure to test for any communicable disease;
   3. failure to prevent the spread of any communicable disease; or
   4. failure to report any communicable disease to authorities.

Yes. Existing customers will receive a ‘conditional renewal’ notice in accordance with their respective state’s statutes or Department of Insurance rules.

Renewal policy documents will contain a cover letter highlighting the new endorsement. They are emailed approximately 45 days before renewal.

No. Hiscox made the decision to change the policy’s terms and conditions rather than increase premium, so there is no option to remove the endorsement.

No.

All new business effective October 30, 2023 and later will have the new endorsement attached automatically. Renewals with February 27, 2024 effective dates and later will automatically have the new endorsement attached.

Yes. Quotes that are retrieved and bound after the implementation date will include the new endorsement.

View the Communicable Disease Exclusion (DPL E0002).