Communicable Disease Endorsement

The LMA Worldwide Property Panel has published the attached model endorsement:

LMA5393 Communicable Disease Endorsement (for use on property policies)

As with all LMA model clauses, it is purely illustrative and is distributed for the guidance of LMA members, who are free to agree to different conditions or amend as they see fit.

This endorsement is available on the Lloyd’s Wordings Repository (LWR), which can also be accessed via www.lloydswordings.com, as well as on the Worldwide Property Business Panel section of the LMA Website.

The LMA has already published a Coronavirus Exclusion (LMA5391), which emanated from the Personal Accident market (Accident & Health) and so does not utilize common property language.

The LMA is now working with various Business Panels/Committees who have requested variants of the clause and/or communicable disease language for their class of business. The LMA is, as usual, aiming for a common format/structure and consistency of language across LMA model clauses drafted in response to COVID-19.

Any queries regarding this wording should be referred to the LMA.

Patrick Davison
Director of Underwriting
patrick.davison@lmalloyds.com