Exclusions

Opioid exclusion wording and examples

An opioid exclusion can restrict coverage for specified loss involving opioids, related products or their use. Forms vary in the activities they address and the exceptions they preserve.

Coverage classification

Form type
Exclusions

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Opioid exclusion forms compared by Intent, Scope, Notable terms
FormIntentScopeNotable terms

Beazley Insurance Company, Inc.

Opioid Exclusion

E13869 032020 ed.

Media, Tech, Data and Network Liability

Excludes specified losses arising from activities involving opioids and related products.Addresses cultivation, manufacture, handling, sale, dispensing and distribution under three specified insuring agreements.The definition includes controlled-substance definitions and listed examples such as fentanyl and methadone.

Medmarc Casualty Insurance Company

Exclusion - Opioid Use - Methadone, Opioid Antagonists, and Pure Product Defect Claims Exceptions Included

1218 PCO CW 10/25

Product Liability

Excludes specified opioid-use losses and related expenses, with a defined product-defect exception.Addresses alleged misuse, improper warning, diversion, addiction, overdose and certain violations.The definition excludes methadone and certain opioid antagonists. A qualifying pure product defect claim must meet detailed conditions.

Notable clauses

“cultivation, manufacture, handling, sale, dispensing, or distribution”

Beazley Insurance Company, Inc. · Opioid Exclusion · E13869 032020 ed.

Covered activities. The exclusion addresses specified activities involving opioids, related products and components.

“This exclusion does not apply to any Pure Product Defect Claim.”

Medmarc Casualty Insurance Company · Exclusion - Opioid Use - Methadone, Opioid Antagonists, and Pure Product Defect Claims Exceptions Included · 1218 PCO CW 10/25

Product defect claims. The exception depends on the form’s detailed definition and does not remove other policy conditions.

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