Professional Liability Insurance
Can Mold Claims Trigger a Professional Liability Claim?
Yes — if a contractor’s design or specification decisions contributed to moisture intrusion that caused mold, the contractor may face a professional liability claim in addition to GL and warranty claims.
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Can mold problems result in a professional liability claim against a contractor?
Mold claims against contractors often involve multiple theories: workmanship defects (GL), warranty breach (contract), and in some cases, professional liability for specification or design decisions that created moisture intrusion pathways.
Examples of PL exposure in mold claims: a contractor who specified a vapor barrier incorrectly based on their professional recommendation; a design-build contractor whose envelope design failed to manage moisture; a construction manager who approved roofing specifications that led to water intrusion.
Standard PL policies may exclude pollution/mold claims. If mold exposure is a concern for your business, ask your agent about Contractor’s Professional and Pollution Liability (CPL) policies that specifically include mold-related professional liability.
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