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Liability policy is available for events taking place in the USA, USA Territories and Possessions, Canada, Puerto Rico, and cruise ships leaving those ports and must be purchased at least 1 day before the event. Event cancellation policy must have been purchased at least 15 days prior to the prediction of the threat of extreme weather. All coverages under the event cancellation policy, including cancellation/postponement coverage, exclude loss or damage arising out of infectious disease, pandemic or epidemic, including fear or threat, whether actual or perceived, thereof.