Biological Hazards

Be ready when life happens. These biological hazard situations illustrate the variety of environmental exposures that could affect your customer!


skull and cross bones

Decontamination Following Unattended Death

A property management company discovered a tenant deceased in an apartment after several weeks without contact. By the time the individual was found, decomposition-related fluids and odors had migrated into flooring, drywall, and portions of an adjacent unit. Environmental consultants were retained to assess the extent of contamination, and specialized biohazard remediation contractors conducted decontamination, removal of impacted building materials and air monitoring. Costs were incurred to restore the unit, remediate affected areas, and temporarily relocate neighboring tenants during cleanup.


retail store

Bloodborne Pathogen Contamination at a Retail Store

An employee suffered a severe injury while operating equipment in a grocery store stockroom, resulting in a significant release of blood and other bodily fluids. Portions of the store were immediately closed while emergency responders treated the injured worker. Environmental remediation contractors were hired to perform biohazard decontamination of affected surfaces, inventory, and equipment. The store incurred cleanup expenses, business interruption losses, and costs associated with safely disposing of contaminated materials.


Hotel

Trauma Scene Contamination at a Hotel

A hotel guest room became the scene of a violent incident requiring law enforcement intervention. Blood and bodily fluids contaminated furniture, flooring, and portions of the HVAC system. The hotel retained a biohazard remediation firm to perform decontamination, remove impacted materials, and verify the area was safe for future occupancy. The incident resulted in cleanup expenses, temporary room closures, and loss of revenue during remediation.


  Download the Biological Hazards Claim Scenarios

Our team of experienced underwriters, dedicated claims handling unit and technical support staff understands the unique environmental exposures depicted above and can help tailor a policy to find acceptable coverage and claim solutions for your clients!

The claim scenarios in this newsletter are provided to illustrate the variety of environmental exposures faced by your clients. The facts of any situation which may actually arise and the terms, conditions, exclusions, and limitations in any policy in effect at that time are unique. Thus, no representation is made that any specific insurance coverage applies to the above claim scenarios. The liability of Great American Insurance Company and its affiliated insurers is limited to the terms, limits and conditions of the insurance policies underwritten by any of them.

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