Exposure to harmful mold can result in health issues, while indoor mold infestation can lead to property damage. If a client claims that these conditions have arisen because of the work you have done — for example, the installation of a leaky HVAC that creates a damp environment for mold to grow — you may be liable for the costs associated with the damage. 


You will not be covered for mold-related claims that fall under the fungi/bacteria exclusion. The following events are not covered by our insurance: 

  • Bodily injury or property damage arising out of the inhalation of, ingestion of, or exposure to fungi or bacteria in a building 

  • Any loss, cost, or expense associated with monitoring, cleaning up, containing, or in any way responding to or assessing the effects of fungi or bacteria