# ENDORSEMENT FOUR:

## PANDEMIC AND EPIDEMIC EXCLUSION

Notwithstanding any other provision of this Policy, it is agreed that this Policy does not provide coverage and does not recognize the exhaustion or reduction of underlying insurances or any self-insured retentions for any actual or alleged liability, loss, injury, damage, cost or expense resulting directly or indirectly from or arising in whole, in part, out of, or relating in any way to, any Pandemic or Epidemic, including but not limited to:

1. any Infectious Agent that has been recognized as, is part of, or is in any way involved in any Pandemic or Epidemic;
2. any disease, illness or condition resulting from or arising out of any Pandemic or Epidemic; or
3. any liability, loss, injury, damage, cost or expense relating to the testing, monitoring, cleanup, removal, containment, treatment, disposal, replacement, rehabilitation of, or responding in any way to real or personal property due to actual, alleged, threatened or suspected contamination by any item described in paragraphs 1 or 2 above.

This exclusion applies even if the claims against any Insured allege negligence or other wrongdoing, breach of duty or violation of law in:

a. supervising, hiring, employing, training or monitoring of others that may be a host or carrier of any Infectious Agent described in paragraph 1 above or infected with any disease, illness or condition described in paragraph 2 above;

b. testing or failure to test for any Infectious Agent described in paragraph 1 above or any disease, illness or condition described in paragraph 2 above;

c. failure to prevent or limit the spread of any Infectious Agent described in paragraph 1 above or any disease, illness or condition described in paragraph 2 above;

d. failure to warn or inadequacy of any warnings or instructions related to the actual or potential presence of any Infectious Agent described in paragraph 1 above or any disease, illness or condition described in paragraph 2 above;

e. failure to report the presence of any known or suspected Infectious Agent described in paragraph 1 above or any disease, illness or condition described in paragraph 2 above to a governing authority or organization;

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