One of our insureds has asked "in the event someone came into the office with coronavirus and we had to hire a company to do extensive cleanup, will the cleanup expense be covered under our insurance policy."

North Carolina Subscriber

The commercial property policy provides coverage for direct physical loss or damage to covered property from a covered cause of loss. Since the property did not sustain direct physical loss or damage, then the extended cleanup would also not be covered. For coverage to apply, the extended cleanup would need to be a result of a direct damage covered loss.

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