Insurances arranged at Lloyds   (800) 975-0562 9am to 8pm CST Monday—Friday

Communicable Disease Endorsement

For all new policies and renewals with an effective or renewal date of April 1, 2020 onwards:

Claims resulting from insured events that occur within the first 90 days of commencement date (of the policy), will be limited to 50% of the total amount that, but for this Endorsement, would otherwise be payable to the insured under this policy.

Claims will only be paid once the tenant has vacated the property.

The current $500 deductible for malicious damage and theft claims will be increased to $5000. Other conditions include mandatory immediate reporting of malicious damage and theft to the claims agent Mills Mehr & Associates where physical damage is estimated to exceed $5000, along with a report to local police, possible appointment of loss adjuster and fraud audit on all malicious damage and theft claims. All other policy terms, eligibility and conditions remain unaltered.

All other policy terms, eligibility and conditions remain unaltered.

If you are already aware that your tenant will not be able to pay rent, you will need to make an arrangement with the tenant. These losses are already incurred and insurance will not cover them. The Arrears at commencement for cover clause still applies to all new policy requests.

Ready to request a policy?

Request a policy using our online portal. For help on requesting cover, please call (800) 975-0562.

Portal Instructions

Requesting a policy on behalf or your landlord client is fast and easy; just follow the steps in the PDF or instruction video below.