Often, no.

Standard Public Liability Insurance policies commonly contain broad asbestos exclusions.

You should not assume asbestos-related work or exposure is covered unless the policy specifically provides that cover.

What can an asbestos exclusion affect? #

Depending on the wording, it can apply to claims involving:

• Asbestos-related personal injury or illness
• Accidental disturbance of asbestos-containing material
• Property damage or contamination
• Removal or handling
• Transport or disposal
• Clean-up or decontamination
• Regulatory action
• Work performed by subcontractors

The exclusion can apply even where disturbing asbestos was not the main purpose of the work.

Can specialist cover be arranged? #

Potentially.

Depending on the business and insurer, cover may be available through:

• A specific asbestos extension
• Specialist Asbestos Liability Insurance

Underwriting can consider:

• Activities performed
• Licences
• Experience
• Safety procedures
• Required limits
• Types of sites

A Certificate of Currency for Public Liability Insurance does not by itself confirm that asbestos exposure is covered.

Contact our team before commencing activities involving asbestos exposure.