JRC COMMUNICABLE DISEASE EXCLUSION (Cargo)

1. Notwithstanding any provision to the contrary within this insurance, this insurance does not
insure any loss, damage, liability, claim, cost or expense of whatsoever nature caused by,
contributed to by, resulting from, arising out of, or in connection with a Communicable Disease
or the fear or threat (whether actual or perceived) of a Communicable Disease regardless of
any other cause or event contributing concurrently or in any other sequence thereto.
2. As used herein, a Communicable Disease means any disease which can be transmitted by means
of any substance or agent from any organism to another organism where:
2.1. the substance or agent includes, but is not limited to, a virus, bacterium, parasite or
other organism or any variation thereof, whether deemed living or not, and
2.2. the method of transmission, whether direct or indirect, includes but is not limited to,
airborne transmission, bodily fluid transmission, transmission from or to any surface or
object, solid, liquid or gas or between organisms, and
2.3. the disease, substance or agent can cause or threaten bodily injury, illness, damage to
human health, human welfare or property.
JC2020-011
17 April 2020

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