NJ S968

Insurers offering commercial general liability insurance must provide potential purchasers and renewing policyholders a clear statement on a separate page indicating whether the policy covers liability for transmission of communicable diseases, including COVID-19.

If a policy excludes communicable disease transmission coverage, the insurer must disclose either the cost to remove the exclusion or, if removal is not possible, inform the customer that such coverage may be available from another insurer.

Failure to include the required disclosure statement renders any communicable disease exclusion invalid, and the policy will automatically be deemed to provide liability coverage for communicable disease transmission.

The law takes effect 30 days after enactment and supplements Title 17 of the New Jersey Revised Statutes governing insurance.