What Is Pollution Liability Coverage and Does It Cover Mold?

3/4/2022 (Permalink)

SERVPRO has the equipment and expertise to handle mold damage of all sizes. When your business suffers any mold damage, give us a call!

What Is Pollution Liability Insurance, And Does It Include Mold?

As a contractor in Peoria, AZ, it's important to you to maintain your reputation as a professional. Of course, your reputation is built primarily on your skill and communication during a project, but one element that has a big impact is how you conduct yourself when something goes wrong.

When something goes wrong is when insurance companies get involved, and for contractors, it's important to have the right type of coverage that will protect your business as well as give you the means to do right by your client. Since many General Liability policies don't cover a mold claim that requires inspection or remediation by a mold remediation specialist, you need to make sure that you have the right kind of coverage. What is it and how does it work?

Pollution Liability Coverage

Pollution liability covers you in the event that your client claims that they sustained damages from pollutants caused by your work. In most GL policies, any mention of mold insurance claims triggers the mold exclusion policy. Adding pollution coverage can protect you in a few ways.

Covers Gaps in Your GL Policy

When you get a pollution policy that specifically covers mold, you are protecting yourself from at least some of the exclusions that are often found in general liability policies. This will also protect your while you work at a job site other than your office.

Customizable for Your Business

If you regularly work with any sort of contaminants, this extra policy can be written specifically with your job type in mind. You can include enhancements such as coverage while loading and unloading materials, while on the road, and during storage.

Works with Other Policies

You don't have to stop with general and pollution policies. Other types of environmental liability insurances and umbrella policies can all work together to protect you from mold insurance claims. Consider obtaining all your policies through one company to avoid any back and forth when submitting a mold claim.

Mold insurance claims can be daunting when you don't have the proper coverage. Review your policies on a regular basis to ensure that your business is well protected.