Asbestos Liability Insurance is specialist liability insurance for businesses that have exposure to asbestos-related risks.

This can be relevant to businesses involved in:

• Asbestos removal
• Demolition
• Building and construction
• Electrical work
• Plumbing
• Roofing
• Property maintenance
• Renovation
• Inspection or testing work
• Other activities where asbestos-containing materials may be encountered or disturbed

Why might separate asbestos cover be required? #

Many standard liability policies contain exclusions or significant restrictions relating to asbestos.

This means a business should not assume that its ordinary Public Liability Insurance automatically covers asbestos-related activities.

The position depends on the policy wording and the work being performed.

What can Asbestos Liability Insurance cover? #

Depending on the policy, cover may be available for certain liabilities involving:

• Personal injury or illness arising from asbestos exposure
• Property damage
• Accidental disturbance of asbestos-containing materials
• Contamination
• Removal or remediation costs associated with an insured liability claim

The scope of cover can vary considerably between insurers.

The type of asbestos work matters #

Insurers will usually need to understand:

• Whether you remove asbestos
• Whether removal is friable or non-friable
• Whether asbestos exposure is incidental to another trade
• Your licensing and qualifications
• Subcontractor use
• Safety procedures
• Annual turnover from asbestos-related activities
• Previous claims

Webber Insurance has access to specialist markets for asbestos-related risks.

If your business undertakes asbestos work or may accidentally encounter asbestos during its activities, contact our team to discuss the exposure.