The homeowners policy generally does not have the absolute pollution exclusion of the commercial general liability and perhaps would provide coverage if the home owner had residential rental property and was sued. The product available is on an occurrence basis, covering bodily injury only, and provides both the right and duty to defend. The defense is within limit. The insured can be an individual, corporation, partnership or other organization with habitational properties. The policy applies to claims by tenants occupying the building on the inception date of the coverage and who have elevated blood lead levels.
Coverage is on a one-year, occurrence policy.
Multiple properties can be covered under a single policy. Full details are available from Surex Environmental Underwriters. The removal of lead increases difficulty in placing the abatement contractor. The products available are often a combination of asbestos and lead abatement as many asbestos abatement contractors expanded to include lead abatement. Children playing near these properties or in abandoned yards can be exposed to very high levels of lead and other toxic substances.