OUTBREAK^® Extra Expense

Workplace closure due to contagion outbreak or a violent incident is not the time to learn about the "grey areas" in your insurance program. 

OUTBREAK^® Extra Expense Coverage provides businesses with a per diem payment for any use if a workplace is closed by a public health official for a covered contagion or by any government official for a workplace violence incident. The proof of a closure of a scheduled location by a public or government official is all that is necessary to make a claim, making this coverage valuable in the critical first hours of an event.

Think about the quickly spreading impact of TB, E. coli, salmonella, legionella, and hepatitis which causes facilites and schools to close.

Since virtually every one of your customers can be affected by these situations, isn't it time to contact your Markel underwriter to learn more about this product?

• Schools
• Poultry farms
• Fast food restaurants
• Grocery stores
• Gyms
• Food processing or packaging plants
• Healthcare facilities and hospitals
• Hotels, motels, bed & breakfasts, resorts
• Office buildings

This coverage was partially born out of a Legionnaire's outbreak in an assisted living facility in a Canadian city.  The assisted living facility was shut down.  OUTBREAK^® Extra Expense could have provided funds to assist relocation efforts for their patients.

• First party coverage
• Per diem reimbursement amounts from $5,000 to $50,000
• Coverage is triggered by the suspension of business by a public health official for a covered contagion
• Mold and fungus coverage included
• Workplace violence coverage included
• Policy covers total days of closure from 15 to a maximum of 45 days
• Insured controls the use of funds
• Maximum policy aggregate: $5MM
• Coverage can be crafted to meet individual business needs

For complete terms and conditions, refer to the policy itself.  Coverage is subject to exclusions in the policy.