Coverage that cares in a contagious world.
Stay up and running as we provide tailored solutions to protect against the setbacks of communicable diseases.
Could Your Business Benefit from Better Coverage?
XINSURANCE provides Communicable Disease Liability coverage as an optional policy enhancement to help ensure businesses don’t have gaps in coverage. This innovative endorsement is designed to provide you the peace-of-mind to conduct business with the public in today’s uncertain times.
Some of the coverage highlights include:
- Defense and indemnification against allegations of negligence arising out of exposure to a Declared Pandemic Disease or Pathogen.
- Coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19!
- Limits of liability customized to your business needs up to your underlying policy limits.
- Best-in-class claims handling through Claims Direct Access.
- Must have or must obtain a XINSURANCE / Evolution Insurance Brokers liability policy in order to add this endorsement.
Protect your business and bottom line with XINSURANCE’s Communicable Disease Liability Endorsement coverage.
Businesses Who Should Have This Coverage
- Restaurants & Bars
- Hospitality Services
- Healthcare Facilities
- Event Venues
- Public Transportation Services
- Fitness Centers & Gyms
- Sports Facilities
- Salons & Spas
- Schools
- Retail Stores
- And More!
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs about Communicable Disease Liability Coverage
What is communicable disease liability coverage?
Communicable disease liability coverage is a type of insurance that provides protection for businesses in the event they are held liable for the spread of a communicable disease. This can include diseases transmitted through direct or indirect human contact, including COVID-19.
Why does my business need communicable disease coverage?
Your business may need communicable disease coverage to help shield against financial liabilities and legal fees associated with claims of negligence or harm due to the spread of diseases within your premises or through your services.
Is COVID-19 covered under communicable disease liability coverage?
Yes, XINSURANCE’s communicable disease liability endorsement can cover COVID-19.
What types of businesses should consider this coverage?
Businesses with high customer interaction, those that operate in close-contact environments, and establishments hosting events or gatherings are highly recommended to consider this coverage. This includes restaurants, retail stores, fitness centers, schools, and healthcare facilities, among others.
What factors affect the cost of communicable disease liability coverage?
Factors include the type of business, location, size of the customer base, implemented health and safety practices, claims history, and more.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Professional Liability
We provide professional liability insurance solutions that can include coverage for negligence or alleged negligence, harmful advice, personal injury, libel and slander, actions of employees, claims from past services, and more.
Small Businesses
We can provide customized liability insurance solutions tailored to your business’s unique needs. Even if another insurance company has declined, canceled, or non-renewed your business, we can still help you!
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
