Pollution Insurance Claims Scenarios
As you are reviewing the below pollution insurance claims scenarios, think of the types of clients you service. Do they (or) have companies performing operations who are not protected for their environmental exposures?
*the provided are only examples to illustrate possible claims scenarios, please refer to your insurance policy for actual terms and conditions.
Cleaning, Restoration, & Trade Contractors
Property, Mold, & Other
- Premise: Environmental Claims Scenarios You May Not Have Thought About
- Disneyland shuts down cooling towers over Legionnaires’ cases
- Lead in Drinking Water in Schools and Childcare Facilities
- Hotel & Hospitality
- Chemical fears shut 2 classrooms
- Chemical spill at Drake University halts classes
- Schools, Colleges Contend With Costly Mold
Legionnaire’s disease infects 12 people in NYC
Restaurants, Distributors, & Fast Food
Anti- Concurrent Causation Clauses
Business can refer to a particular organization or to an entire market sector, e.g. the music business. Compound forms such as agribusiness represent subsets of the words broader meaning, which encompasses all activity by suppliers of goods and services. The goal is for sales to be more than expenditures resulting in a profit or gain or surplus.
- Improper disposal of medical records-A restoration firm entered a medical facility after a significant water event. While collecting all wet documents, the employee of the firm took wet medical records and simply disposed of them in the trash. This became a claim because for the failure to properly destroy personal information.
- Another example of Improper disposal of medical records is a firm was doing janitorial work at a medical facility. There were two bags sitting side by side. An employee grabbed the wrong bag
and improperly disposed of it. This bag contained medical records and they were not properly
handled. Not only was this an uncovered claim for the insured, but they also lost the contract with the medical facility.
- Facebook, LinkedIn and other social media. Most businesses use social media as part of their advertising and or reaching out to the public. By using social media you open a whole new world of potential uncovered claims from a possible trade infringement by posting logos or simply not having permission to use a photo they may have taken of a completed job.
- An insured takes payment over the internet and should there be a hacking of the system and a data breach this could be an uncovered claim.