Coverage intent
A lead exclusion limits coverage for injury, damage, cleanup, abatement, or liability arising from lead or lead-containing materials.
Coverage impact
Lead exclusions affect construction, habitational, premises, and environmental liability products where legacy building materials can create long-tail exposure.
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Exclusion - Lead Contamination
Form #: MM CWBPP 0015 04 26
Millers Capital Insurance Company
Businessowners
MD | Jun 30, 2026
This businessowners endorsement excludes injury, property damage, medical expenses, and cleanup costs connected to lead.
Lead contamination liability and cleanup costs
This insurance does not apply to occurrences at the insured premises which result in: a. "Bodily injury" arising out of the ingestion, inhalation or absorption of lead in any form; b. "Property damage" arising from any form of lead; c. "Personal and advertising injury" arising from any form of lead; d. Medical Expenses arising from any form of lead; e. Any loss, cost or expense arising out of any request, demand or order that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of lead; or f. Any loss, cost or expense arising out of any claim or "suit" by or on behalf of a government authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of lead.
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Notable language points
- 01Applies to ingestion, inhalation, absorption, and other forms of lead exposure.
- 02Removes liability and medical-expense paths.
- 03Extends to testing, cleanup, removal, treatment, neutralization, response, and assessment costs.
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