Mold work lives inside the exclusions on a standard policy.

Why mold is treated differently

After a wave of mold claims, most general liability policies added mold exclusions or tight sublimits, and many pollution forms address mold only on specific endorsements. For a contractor whose entire operation is mold, that means a generic policy can exclude the core work. The coverage has to be placed with carriers and forms that write mold deliberately.

The professional side of remediation

Mold remediation follows written protocols and assessment scopes, and disputes often turn on whether the work met the standard or the scope, not on physical damage. That is professional exposure. Professional liability, sometimes combined with pollution on a contractors environmental form, is what responds when the allegation is faulty remediation rather than an accident.

Clearance, re-growth, and disputes

Common mold claims involve failed clearance testing, alleged incomplete remediation, or re-growth after the job. Whether your program responds depends on how mold, professional services, and pollution are handled across your forms. We map those provisions so you know which policy answers which allegation, before a dispute forces the question.

How we handle it

We place mold remediation with carriers whose appetite includes it, confirm mold is addressed rather than excluded, and add professional liability for the protocol and scope exposure. We coordinate the general liability, pollution, and professional pieces so the mold work is covered end to end, and we align the certificates your referral partners require.