Covers bodily injury, property damage, legal expense and building related clean-up costs resulting from pollution conditions on, at, or within a building on a covered location.

Policy Benefits

  • Coverage for both new and historical conditions
  • Coverage provided for both gradual and sudden and accidental events
  • Coverage is triggered by the discovery of pollution condition or a claim made by third party
  • Legal Expense is provided within the Limit of Liability
  • Clean-up cost coverage for the inadvertent disturbance of asbestos or lead-based paint
  • Definition of Bodily Injury includes building related illness and medical and environmental monitoring
  • Compensatory, punitive, multiplied or exemplary damages and civil fines, penalties and assessments, where insurable by law
  • Definition of Pollutants includes mold, Legionella and EMFs
  • Definition of Pollution Condition includes illicit abandonment of Pollutants at a Covered Location
  • Definition of Property Damage includes Natural Resource Damages
  • Ninety (90) day Automatic and three (3) years Optional Extended Reporting Period for claims-made coverage grants
  • Cumis Counsel where entitled by law

Policy Features

  • Limits of Liability up to $50 million occurrence/$100 million aggregate
  • Policy terms of up to three (3) years
  • $5,000 minimum premiums (single year policy)
  • Covers locations in the U.S. or Canada
  • Separate limits can apply to each coverage part

Submission Requirements

  • GAIG General Application For Environmental Insurance
  • GAIG Supplement Application For Indoor Air Quality and Mold Liability Insurance
  • Indoor Air Quality/Mold Management Plan
  • Past three (3) years loss history
  • Last two (2) years financial statements and/or 10-K report