Coverage for the exposure most policies are written to exclude.

The mold exclusion

After significant mold litigation, most general liability and property policies added mold exclusions or tight sublimits. For any restoration contractor who encounters mold, and especially a remediation specialist, that means the standard program can exclude the exact exposure. Mold liability coverage, written to include mold rather than exclude it, is the fix.

How it is delivered

Mold coverage usually comes through a contractors environmental or pollution form that addresses mold and microbial matter directly, rather than through general liability. The scope varies by form, some cover mold broadly, others sublimit it, so the specific wording and limit are what matter, not the presence of a policy.

The professional overlap

For remediation contractors, many mold claims allege faulty or incomplete work, a failed clearance or re-growth, which is professional exposure. Mold liability and professional liability often work together: one addresses the mold condition, the other the allegation of faulty service. We coordinate them so a mold claim does not fall between the two.

How we handle it

We place mold liability with carriers whose forms include mold rather than exclude it, confirm the scope and limit against your exposure, and coordinate it with pollution and professional liability where the work calls for it. We read the mold provisions carefully so you know exactly what responds to a mold claim before one arrives.