Asbestos Liability Insurance is specialist liability insurance for certain claims arising from asbestos-related activities or exposures.

The scope of cover varies significantly between insurers.

What claims can be covered? #

Depending on the policy:

• Asbestos removal liabilities
• Accidental disturbance of asbestos
• Release or spread of asbestos fibres
• Third-party personal injury or illness
• Third-party property damage
• Contamination
• Legal defence costs
• Certain clean-up or remediation costs
• Certain regulatory investigation costs

Clean-up and remediation costs should not be assumed to be covered in every circumstance.

Fines and penalties should also not be assumed to be insurable.

Why do the insured activities matter? #

An insurer can treat activities differently, including:

• Friable asbestos removal
• Non-friable asbestos removal
• Incidental disturbance
• Environmental consulting
• Inspection
• Sampling
• Testing

The policy needs to accurately reflect the work actually undertaken.

Professional consulting exposures can also require Professional Indemnity Insurance in addition to Asbestos Liability Insurance.

Contact our team if you need help reviewing the asbestos-related activities covered by your insurance.