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Mold: Insurance Industry Response
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Welcome to "Mold: Insurance Industry Response"

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Course introduction

Course objective: To explain the insurance industry's response to mold.

Mold is found almost everywhere. It appears in 35% of commercial buildings and 50% of schools. It is a natural equalizer that is essential to maintaining balance in the ecosystem. Nevertheless, mold has been blamed for serious illness and death.

Mold has become the hot topic in insurance in recent years for several reasons:
  • Increased litigation
  • High costs of remediation from $10K up into the millions!
  • Increased public awareness
  • High testing costs (as an example, testing of one school building cost $50,000)

    In this course, you will learn about the insurance industry's response to mold through the following topics:
  • Industry response to mold
  • Property concerns
  • Mold coverage in property policies
  • Liability concerns
  • Mold coverage in liability policies
  • Commercial General Liability (CGL)
  • Informing the insured about mold
  • Checklist for claims

    We recommend that you take our entire series on mold--the online courses and exams are free! You only pay for the CE processing.

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    © 2004, LunchTimeCE, Inc and Insurance Skills Center. All Rights Reserved.

    Not only are policy forms, clauses, rules and court decisions constantly changing, but forms vary from company to company and state to state. This material is intended as a general guideline and might not apply to a specific situation.
    The authors, LunchTimeCE, Inc. and Insurance Skills Center, and any organization for whom this course is administered will have neither liability nor responsibility to any person or entity with respect to any loss or damage alleged to be caused directly or indirectly as a result of information contained in this course.