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Home » Environmental Insurance News » Beacon Hill's Blog » News Alert: Asbestos,
Lead, and Mold Abatement Contractors


NEWS ALERT: ASBESTOS, LEAD, AND MOLD ABATEMENT CONTRACTORS

Posted on November 15, 2021


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ASBESTOS, LEAD AND MOLD ABATEMENT CONTRACTORS

Abatement contractors face a number of unique exposures from their daily
operations. Mishaps involving the improper handling, storage, transport, or
disposal of materials can lead to pollutant releases and liability to
contractors. In addition, unknown factors including existing site contamination
and structural conditions present environmental risk and liability to
contractors.

 * Failure to identify or characterize contamination during surveys.
 * Faulty design of remedial action and management plants causing bodily injury.
 * Diagnostic laboratory errors.
 * Hazardous air emissions from incomplete abatement.
 * Inaccurate post-abatement certification.

Your clients rely on you to make sure they have the proper coverage, so it’s
important for you to ask the right questions. You may be talking with an
asbestos abatement contractor who clearly needs the CGL/CPL — but do they
transport the bagged asbestos to a disposal site or bring it back to their own
site for temporary storage while awaiting a 3rd party to transport? These are
exposures not typically covered in the policy forms but may be included by
endorsement. Reviewing and understanding exclusions is equally important. Some
carriers have exclusions for asbestos, lead, mold, EIFS, or work performed by
subcontractors. You should ask for and review specimen forms and endorsements to
ensure you understand the policy you are offering to your clients.

For more information on asbestos abatement contractors and the environmental
coverages that apply to them, contact us.


ABATEMENT CONTRACTORS SHOULD CONSIDER THE FOLLOWING COVERAGES:

Contractors Pollution Liability
Contractors Pollution Liability insurance (CPL) is coverage designed to protect
from third party claims for damages caused by “Pollution Conditions” arising
from the insured’s covered operations. Adding Mold coverage broadens the defined
list of covered pollutants to include molds, funguses, etc. We are able to add
the General Liability and Professional Liability for most environmental
contracting accounts.

Contractors Pollution Liability/Professional 
The Contractors Pollution Liability/Professional Policy is a combined Pollution
and Professional coverage form. It provides coverage to environmental
consultants, environmental engineers, and other environmental professionals who
have an E&O exposure from their professional services, as well as a pollution
exposure from any jobsite/project management operations. We are able to add the
General Liability for most  environmental consulting accounts.

Site Pollution Liability
Site Pollution Liability insurance is designed to cover claims arising from
pollution releases at, on, or emanating from a specific scheduled location.
Examples may include a contractor’s equipment yard or a self-storage facility.

Workers Compensation
A Workers Compensation policy provides coverage for an employer’s exposure
arising out of job-related injury/death resulting from an accident or
occupational disease sustained by employees. Moving Workers Compensation
accounts from assigned risk (or other state programs) into a program will offer
exceptional coverage at a very competitive rate.

Auto Coverage
Automobile insurance coverage is typically required for most businesses; an Auto
policy including Pollution is an ISO based Auto form including broadened
pollution endorsements and any motor carrier filings.

Follow Form Excess Liability
If underlying General Liability, Pollution and/or Professional Liability is
offered, a Follow Form Excess policy is also available. The Follow Form Excess
will go over the qualifying environmental coverage lines, as well as the
underlying Auto and Employers Liability if applicable.

For more information or to discuss an abatement contractor account, please
contact us.

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