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Floyd Arthur Presentation
Environmental impairment liability insurance is comprehensive coverage, but it does not apply to every event. For example, many insurers specifically exclude coverage for property damage or bodily harm caused by “naturally occurring substances,” such as arsenic, lead, mercury and silica, if they occur in their “unaltered form.”Other policies exclude damages that result from exposure to fungi, including mold, and bacteria.
Additionally, environmental impairment liability insurance typically excludes coverage in the event that:
• The damage was intentional or should have been anticipated by the insured
• The damage occurred due to malicious or unlawful acts by the insured
• The damage was to the insured’s property
• The incident resulted in bodily injury to an employee of the insured