Asbestos Liability Insurance can be relevant to businesses whose work involves asbestos-containing materials or creates a potential asbestos exposure.

This is not limited to specialist asbestos-removal contractors.

What businesses can have asbestos exposure? #

Examples can include:

• Asbestos removal contractors
• Demolition contractors
• Builders
• Renovation contractors
• Electricians
• Plumbers
• Roofers
• Property maintenance businesses
• Environmental contractors
• Site remediation businesses
• Other trades working in older buildings

A trade business can have an asbestos exposure even where asbestos work is incidental to its main activities.

What about professional services? #

Asbestos-related exposures can also arise from services such as:

• Environmental consulting
• Occupational hygiene
• Site assessment
• Inspection
• Sampling
• Reporting
• Asbestos advice

Professional services can create different exposures from physical asbestos removal and may require Professional Indemnity or other specialist insurance.

Why can specialist cover be needed? #

Standard Public Liability policies commonly contain asbestos exclusions or restrictions.

Businesses should therefore not assume that an ordinary Public Liability policy covers asbestos-related activities.

The insurance available depends on matters including:

• Activities
• Licensing
• Experience
• Safety procedures
• Insurer appetite

Contact our team if your business removes, encounters or may accidentally disturb asbestos.