Analyzing Liability Insurance in Terms of Mold Coverage
Part 2 of 2: Limitations on Coverage

In the September 2002 issue, Alan Jacobus analyzed common liability coverages and identified possible claims that may be made under those coverages.

photo-2 icEendicvaluating the insuring clause, the types of loss the policy covers, which policies are triggered when progressive bodily injury or property damage spans several years, and the defense obligation, if any, in the policy, is only half the story. The policy and the conduct of the insured may limit or bar coverage for mold claims under certain circumstances.

Expected or Intended Injury

Many liability policies exclude coverage for injury that is …