Mold & Fungi Liability Coverage
The microbial exposure most policies quietly exclude.
Covers bodily injury, property damage, and cleanup arising from mold, fungi, or microbial matter connected to your operations — an exposure excluded or sub-limited on most standard policies.
Mold and microbial matter are a specific environmental exposure that standard general liability and even some environmental policies exclude or heavily sub-limit. For contractors whose work can create the conditions for mold — water intrusion during construction, HVAC and plumbing work, restoration and remediation, roofing, and building envelope trades — a mold/fungi claim can be expensive and hard to defend. This coverage responds to third-party bodily injury, property damage, and remediation costs arising from mold, fungi, or bacteria connected to your operations or an insured site. It's often added to a CPL or site pollution policy, or written to fill a gap where mold is otherwise excluded.
What's included
- Bodily injury and property damage from mold/fungi/microbial matter
- Mold remediation and cleanup cost coverage
- Fills the mold exclusion/sub-limit on standard policies
- Coverage for water-intrusion-related microbial conditions
- Available with CPL or site pollution liability
- Legal defense for covered mold claims
- Relevant for restoration, HVAC, plumbing, and envelope trades
- Project or practice basis
Who it's for
- Restoration and remediation contractors
- HVAC, plumbing, and mechanical contractors
- Roofing and building-envelope trades
- Any contractor whose work involves water or moisture
Typical limits
Often a sub-limit within CPL/PLL or a scheduled limit; structured to your exposure
Claims this coverage handles
Frequently asked
Isn't mold covered by my other policies?
Usually not adequately. Standard general liability and many environmental policies exclude or sharply sub-limit mold and fungi. Dedicated mold/fungi coverage fills that gap.
Who needs mold coverage most?
Trades whose work involves water or moisture — restoration, HVAC, plumbing, roofing, and envelope contractors — carry the highest mold exposure, but any contractor can face a claim.
Can it be added to my CPL policy?
Often yes. Mold/fungi coverage is frequently endorsed onto a contractors pollution liability or site pollution policy, or written standalone where it's otherwise excluded.