OUTBREAK® Extra Expense
Solving Contagion Risk
OUTBREAK® Extra Expense is designed to provide businesses with insurance coverage in the event that their business operations are suspended by a public health official due to a covered contagion originating at or emanating from an operational premises.
The policy responds to a wide variety of contagions including Legionnaires, flu, E. Coli, Methicillin-Resistant Staphylococcus Aureus (MRSA), salmonella, norwalk and many other viral and bacterial contagions. Further, suspension due to mold and fungus that result in human illness is covered for closures up to 5 days. Also, OUTBREAK provides coverage for up to 5 days for a suspension of operations due to a workplace violence event that can be initiated by fire, law enforcement or other empowered public official.
The policy pays a per-day per location limit listed in the policy – regardless of any actual income loss. The proceeds can be used at the insureds discretion for a reduction of revenues as well as a variety of unforeseen expenses including clean-up, public relations, increased advertising costs, compliance, and continuing payroll expense.
Limits Available
Per Day Limit: $2,500 to $50,000 per location
Days Covered: 30 days per location
Location Limit: Days of coverage x per day limit
Multi-Location Aggregate: Up to $5,000,000 per policy
As an example, if an insured would like $10,000 per day of coverage for a single location, at the 30 day option that is $300,000 location limit.
Please note: Coverage terms outlined in this document do not alter, amend, or edit actual terms and conditions within the policy form. See policy wording for contractual terms & conditions.