<p>1. Notwithstanding any provision to the contrary within this policy, this policy does not insure or excludes any loss, damage, liability, claim, cost or expense or any other sum of whatsoever nature, whether directly or indirectly caused by, contributed to by, resulting from, arising out of, or in connection 24 with a Communicable/Infectious Disease or the fear or threat (whether actual or perceived) of a Communicable/Infectious Disease regardless of any other cause or event contributing concurrently or in any other sequence thereto.<br />
For the purposes of this endorsement, loss, damage, claim, cost, expense or other sum, includes, but is not limited to, any cost to clean-up, detoxify, remove, monitor or test:<br />
&nbsp;1.1. for a Communicable/Infectious Disease or<br />
&nbsp;1.2. any property insured hereunder that is affected by such Communicable/Infectious Disease.<br />
2. As used herein, a Communicable/Infectious Disease means any disease which can be transmitted by means of any substance or agent from any organism to another organism where:<br />
2.1.the substance or agent includes, but is not limited to, a virus, bacterium, parasite or other organism or any variation thereof, whether deemed living or not, and<br />
2.2.the method of transmission, whether direct or indirect, includes but is not limited to, airborne transmission, bodily fluid, transmission from or to any surface or object, solid, liquid or gas or between organisms, and&nbsp;<br />
2.3. the disease, substance or agent can cause or threaten damage to human health or human welfare or can cause or threaten damage to, loss of value of, marketability of or loss of use of property.<br />
3. This endorsement applies to all coverage extensions, additional coverages, exceptions to any exclusion and other coverage grant(s). All conditions and exclusions of the policy remain the same.</p>
