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What Does Your Current Policy Contain? - A Primary Checklist
Click Here For A Printable Version Of This Checklist
The following conditions and exclusions may limit or jeopardize your coverage:
Mold as a "pollutant" coverage
Professional Liability Exclusion
Testing or Errors & Omissions Exclusion
Exclusion for Prior Work
Exclusion for Employees of Independent Contractors
Special conditions to cover subcontracted work
"Cross Suits" Exclusion
Contractual Liability Exclusion or Limitations
"Action-Over" Exclusion
Exclusion for Claims Demanding Punitive, Multiplied, and Exemplary Damages
Exclusion for operations of asbestos abatement, lead abatement, or other environmental remediation operations
Exclusion for damage to property that was ever owned, rented, or used by any insured.
What your current policy should include:
Coverage for All Operations
Coverage for Subcontracted Work without special requirements to be met as conditions of coverage.
Coverage for Fungi and Bacteria
Coverage for defense and indemnity of claims demanding punitive, multiplied, and exemplary damages.
Automatic Additional Insured Coverage without prior written contracts