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Exposures

Learn about some of the issues and exposures that affect contractors, consultants, sites/facilities, and property owners & managers.

The environmental exposures that can affect an insured are varied and complex. Whether you are working with environmental contractors and consultants, non-environmental risks, or a site/facility, there are many exposure and coverage considerations. Pollution claims can result from so many unforeseeable sources―negligence on the part of an employee, mold from a storm, cleaning product spills, historical pollution problems at a site, and countless other possible issues.

Common Environmental Exposures

Action Over

Action Over is defined as a type of action in which an injured employee, after collecting workers compensation benefits from the employer, sues a third party for contributing to the employee’s injury.

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Asbestos

Asbestos is a group of six naturally occurring fibrous minerals composed of thin, needle-like fibers. It was used by builders at the end of the 19th century because of its affordability and resistant to heat.

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Indoor Air Quality

Environmental insurers are seeing an increased demand for environmental insurance as a result of concerns related to indoor air quality (IAQ) such as the potential for vapor intrusion, mold, and Legionella.

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Legionella

Legionella is a bacteria usually found in water and thrives in temperatures of 68 degrees – 120 degrees Fahrenheit. While there are almost 50 species of Legionella, not all are harmful.

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Mold

Mold is everywhere—has been around forever—and was never more than a maintenance problem in the past. So why does it make building owners, and tenants quake at the mere mention of the word?

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Professional Exposures for Contractors

While they are performing their normal operations, contractors could face professional exposures by either making slight adjustments to plans to get the job done or supervising other contractors.

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Additional Insurance Topics

Meth Labs

Many people don’t consider meth labs to be an environmental exposure for their business location, they are focused on more common site pollution concerns like mold or a spill.

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Non-Owned Disposal Site

Non-Owned Disposal Sites (NODS) are facilities to which owners/operators or contractors take waste. Companies utilizing NODS typically have no ownership interest or control over them.

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PFAS Chemicals

The recycling industry has seen tremendous growth, and so has the need for insurance for these businesses. Insureds may include traditional recycling centers, e-recycling, and more.

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Sudden & Accidental Coverage

Sudden & Accidental coverage is tied to a discovery and reporting period, and generally covers bodily injury and property damage caused by a pollution loss.

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Additional Resources

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