The LMA Personal Accident Business Panel has published the attached model exclusion:

LMA5500 Infectious or Contagious Disease Exclusion during a PHIEC* (for use on consumer and commercial Accident/Accident & Illness policies)

*Public Health Emergency of International Concern, as declared by the World Health Organization (WHO)

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 exclusion is available on the Lloyd’s Wordings Repository (LWR), which can be accessed via www.lloydswordings.com.

The LMA has already published a Coronavirus Exclusion (LMA5391), which emanated from the Personal Accident market (Accident & Health); a Communicable Disease Endorsement (LMA5393) for use on property contracts; a Communicable Disease Exclusion (LMA5394) for use on property treaty reinsurance contracts; a Coronavirus Exclusion (LMA5395) for use on marine and energy liability contracts; a Communicable Disease Exclusion (LMA5396) for use on liability policies; a Communicable Disease Exclusion (LMA5397) for use on power generation, construction and engineering policies; an Infectious or Contagious Disease Exclusion (LMA5398), for use on UK consumer and commercial property risks; and a Communicable Disease Exclusion (LMA5399), for use on casualty treaty reinsurance.

The LMA continues to work with various Business Panels/Committees who have requested variants of the coronavirus 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 exclusion should be referred to the LMA.

Contacts

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

Alison Colver
Head of Contract Wordings
alison.colver@lmalloyds.com