Pollution Liability Cover Helps Clients Fight Mold Exclusions While insurers seek protection from protracted and expensive mold claims through exclusions, insurance brokers have developed answers for their commercial clients insurance needs by utilizing programs designed to deal with environmental liabilities.

By using these programs, explain brokers, both clients and carriers gain control over a risk that has proven costly, and strive to eliminate the circumstances for that risk to thrive in.

"It is an evolving risk issue that the environmental risk industry is learning how to deal with it," observed Alan Bressler, senior vice president, environmental practices for Marsh, the insurance broker arm of Marsh and McLennan Companies based in New York. "And by and large, it is an issue that the property-casualty industry has learned to deal with by excluding coverage for it."

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