Coverages: Infectious Disease Liability
IDL covers bodily injury to third parties arising from the Insured’s negligence causing or exacerbating an infection disease outbreak. The rise in outbreaks caused by zoonotic diseases (those with the potential to ‘jump’ to humans), as well as the explosion in global travel, have significantly increased the likelihood of a pandemic. This is exemplified by Covid-19, Ebola and Sars-Cov-1, occurring in the last two decades.