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Yet Another COVID Question

Will your home policy cover you in this situation?

You have invited guests into your residence. One of them catches COVID, and it can be established that it came from your home, one of your guests, or you. The guest decides to sue you.

Most insurance policies in Canada have provisions that exclude communicable/contagious diseases. In other words, if you catch it and you spread the disease to others, you’re not going to be covered if someone brings a liability suit against you.

The lack of policy coverage may pertain to more than just damages that can be proved. There are also exclusions in insurance policies for criminal acts, intentional acts, and unlawful acts.

In the context of flouting public health and government orders, for example, home insurance policies might not cover the legal costs to defend the action in the first place, whether the action is successful or not.