Recently the Environmental Protection Agency (EPA) began enforcing new lead paint safe regulations for contractors performing work on homes, schools, or child care businesses.

While enforcement of the licensing portion of the regulation has been delayed until October 1, 2010, compliance with the work-site practices of the regulation are in effect. All contractors doing renovation, repair, or painting projects that disturb lead-based paint in homes, child care facilities, and schools built before 1978 are required to follow specific work practices to prevent lead contamination on the work site.

This new law does not affect the way most insurance companies handle coverage. Lead in lead-based paint is considered a pollutant and is excluded by the pollution liability exclusion of virtually all contractors’ insurance policies.

To protect yourself and your business, you should carry an insurance policy that protects you and your business against claims that arise out of lead contamination and other pollutants. Contact your insurance carrier today to discuss your insurance coverage and make sure that you and your business are protected by insurance that covers pollution liability.

Michael Cox
Home Builders Insurance, A Palmetto Affiliate
Director, HBA of Greenville