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communicable disease

A disease that is spread from one person to another by either direct transmission of bacteria or viruses between the carrier and infected person, or through a vector, such as food contaminated by the carrier and consumed by the infected person. Liability stemming from the transmission of communicable diseases—either by the person directly responsible for the transmission or by third parties with a legal duty to prevent transmission—has become the subject of a variety of insurance policy exclusions.

Links for IRMI Online Subscribers Only: CLI VII.P; PRMI 11.C


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