Context
The Society of Insurance Broking has urged brokers to conduct a review of public liability insurance policies to ensure that they account for Legionnaires’ disease. A good practice guide has been produced which considers the legionella disease risk faced by brokers’ corporate clients as the UK gradually returned to work after the initial lockdown period.
Key points to note
- Many places of work are at risk of an infected water supply due to premises being left vacant during lockdown.
- The good practice guide explains that the way in which standard public liability policies are currently worded means most, if not all outbreaks of Legionnaires’ disease, will fall within an exclusion clause and therefore will not be covered.
- In order to extend the cover for insureds, the guide explains how brokers will need to make a specific application to insurers requesting additional wording to the policy giving supplementary cover against the disease.
- The full guide can be found here: https://www.cii.co.uk/media/10124713/legionella-coverage-in-uk-public-liability-market.pdf