General Liability Insurance Coverage for Mold Claims

Although humans and mold have coexisted for centuries, the effects of mold on health and property have recently received considerable attention. Members of the construction industry and commercial property owners are, with increasing frequency, finding themselves defending claims of property damage or personal injury due to indoor mold growth. These designers, builders, and property owners frequently turn to their general liability insurance carriers for defense and indemnification without having a full understanding of the protections afforded by their commercial general liability policies. This article provides an introduction to the typical coverages and exclusions applicable to mold related claims submitted for general liability coverage. This article also discusses maximizing the potential for coverage by notifying and cooperating with one’s insurer and provides guidance on the avoidance of indoor mold growth and claims. Questions concerning the meaning and effect of particular insurance policy provisions and the availability of additional or alternative coverages should be directed to one’s insurance professional or coverage attorney.