The Microorganism Exclusion

August 5, 2014

The insured is a hotel. Claimant and her children and husband stayed at the insured hotel for seven days. A week after the claimant left the hotel she went to the doctor and alleged she sustained bed bug bites. We have received reports from the claimant's doctors stating that she had scabies. In review of the microorganism exclusion (AD68830413), it excludes biological organisms. In review of the definitions of "scabies" (Sarcoptes scabiei), it does not appear to fall into this category. We have reserved our rights at the present time but would like your opinion as to whether or not you agree that scabies would not be considered a microorganism.