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Risk Tip – Contractor's Pollution Liability: Mold vs. Bacteria

By: Jeff Slivka
Even though mold continues to be of concern for many carriers, especially with regard to resulting property damage, many insurers offer mold coverage as part of their overall Contractor’s Pollution Liability (CPL) program. Depending on the type of business or work/project types conducted by the firm, it could be provided on an occurrence or clams made basis. However, bacteria, specifically Legionella Pneumophila, is found to be less common and typically must be added via endorsement. When carriers provide coverage for “microbial matter” it’s prudent to ensure it not only provides coverage for mold, fungi, mildew and the like, but also bacterial matter.

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