Please help me understand if this policy would cover business interruption pertaining to the COVID-19. (Subscriber attached Allianz CGL policy for this insured.)
California Subscriber
While there is no determining how a California court would view the coronavirus in view of bodily injury, we do not see any coverage for liability for the coronavirus under the CGL policy you attached. There is a total pollution exclusion endorsement on the policy which excludes contaminants or thermal irritants, as well as biological materials. Also there is a medical payments exclusion on the policy which would preclude coverage for any medical payments for any reason.
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