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communicable disease

A communicable disease is spread from one person to another either by 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.

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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.