Contractors

Crime Scene/Biohazard Cleanup

Responding to crime scenes, industrial accidents, natural disasters, hoarding environments, methamphetamine laboratories (meth labs), and sewage backups may entail handling body decomposition, infectious disease contamination, hazardous residues, and toxic chemicals. Biohazard recovery involves the cleanup, disinfection, and removal of harmful materials, including blood, body fluids, and other potentially infectious material (OPIM). Cleanup at these sites can involve one or more of these hazard sources: 1) those generated from the activity and materials used at the site; 2) those purposely placed there by the incident control/response and investigation personnel; and 3) those brought in and used by the cleanup crews. The containment, cleanup, handling, transportation, and disposal of these hazards create the potential for significant environmental liability.

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Environmental Exposures May Include:

Heavy Metals and Chemical Irritants
Disinfectants
Remediation Equipment Management
Biohazards
Meth Lab Remediation and Chemical Hazards
Asbestos and Mold
Chemical Storage
Pathogen Control

Heavy Metals and Chemical Irritants

Cleanup can include residues left from a crime or the investigation, including fingerprint powder and evidence-gathering chemicals, gunshot residues (lead, nitrates, antimony, barium), tear gas and pepper spray residues, substances used to start an arson fire, and firefighting chemicals. Improper clean-up of these substances can expose people who live or work in the structure to health risks and spread contamination to surrounding soil and groundwater.

Disinfectants

Various chemicals can clean and disinfect contaminated sites, including quaternary ammonium compounds, substituted and neat phenols, peroxides, hypochlorites, glutaraldehyde, iodophors, and ozone. Even “natural” botanical disinfectants and deodorizers (e.g., thymol) are toxic at certain concentrations. Chemicals used at improper application rates or concentrations, in combination with other chemicals or with incorrect delivery systems, can cause residues to remain in the building, which impacts human health by direct surface contact or inhalation. There are additional exposures in transporting these chemicals to and from jobsites and their proper disposal.

Remediation Equipment Management

Improper use of equipment disinfecting and deodorizing ozone machines, foggers, and industrial-strength deodorizers can spread contamination to uninfected areas or leave behind hazardous residues that can impact building occupants upon return. In addition, personal protective equipment (PPE) worn, high-efficiency particulate air (HEPA) filters, or washing fluids may be considered special or hazardous waste when discarded and require proper transporting and disposal procedures.

Biohazards

Improper handling, transporting, or disposal of biohazards can create significant health hazard exposures to third parties. Materials contaminated with blood and other infectious bodily fluids must be bagged appropriately in designated, leak-proof waste bags, sterilized, and taken to an approved and licensed disposal facility.

Meth Lab Remediation and Chemical Hazards

Crime scene cleanup can include the cleanup of a meth lab, which involves handling several toxic, reactive, corrosive, and flammable chemicals, including acetone, toluene, hydrochloric acid, sulfuric acid, and anhydrous ammonia. Meth lab cleanup can leave a toxic residue that coats and absorbs on and into building contents and materials, including drain traps, septic and HVAC systems, walls, floors, and ceilings. The cleanup process may also include handling unmarked containers of dangerous industrial solvents. There are many risks in the containment, removal, and cleanup of the area and the handling, transporting, and disposal of these toxic and contaminated materials.

Asbestos and Mold

Cleanup activities involve the remediation of a contaminated area, which can often include removing sections of drywall and flooring saturated with blood, bodily fluids, or toxic chemicals. These operations can disturb existing asbestos and mold inside walls and flooring materials and release fibers or spores that can affect third parties and spread to clean areas. Mishandling during cleanup, transport, or improper disposal can lead to environmental and tort liability.

Chemical Storage

Stored stock supplies of chemicals used to clean and disinfect sites are often in concentrated form, and leaks from incompatible or reactive containers may cause a release of gas or fumes (such as hydrogen chloride or ammonia) or generate enough heat for the combustion of nearby burnable materials.

Pathogen Control

At jobsites involving injuries, death, or decaying bodies, bodily fluids are available for contact and can carry infectious organisms, including Methicillin-resistant Staphylococcus aureus (MRSA), human immunodeficiency virus (HIV), hepatitis B and C, E. coli, and other transmissible disease-causing microbes. Adherence to protocols for isolation, handling, decontamination, and disposal of these materials is essential to preventing exposure to others and avoiding further spreading the contamination throughout otherwise clean areas.

Contractors Pollution Liability Can Provide Coverage For

Contracting operations completed “by or on behalf of” the insured

Contracting operations performed at a jobsite

Third-party claims for bodily injury and property damage

Third-party claims for cleanup

Mold, legionella, bacteria, fungi, and viruses

Medical, infectious, and pathological waste

Lead and asbestos

Sudden and accidental coverage for owned/leased locations

First and third-party transportation pollution liability

Loading and unloading

Non-owned disposal sites

Defense of third-party claims

First-party emergency response costs

A combined Commercial General Liability, Contractors Pollution Liability, and Professional Liability package policy may be available. Workers’ Compensation & Automobile policies may be offered.

Claims Scenarios & Examples

After a tenant at an apartment complex committed suicide, the residents were allowed back into the building but began to be sickened by an unknown odor. Hazmat and emergency crews arrived on the scene, and two residents had to be taken by ambulance. The odor’s source was an accidental combination of chlorine and ammonia that the cleanup company used to restore the apartment after the suicide.
After experiencing a power outage, 600 pounds of deer meat rotted in a family’s garage. The family hired a cleaning company to sanitize the area; however, even after the cleaning, the family stated that the rotting smell still stayed in the house, and family members became sick. An investigation was done, and it was found that the cleaning process was not done correctly, causing the stench to remain. The family sued for a new home valued at $600,000.
Two bio-waste cleanup firms were found to be improperly disposing of various medical and hazardous wastes, including human blood and tissue, in the county landfill. Allegations included red bag waste mixed with sanitary garbage and body parts and other pathogens found at the landfill from these firms. They faced lawsuits for improper disposal.
The owner of a home discovered that his tenant had produced methamphetamine in the house. He hired a cleanup firm to decontaminate the home and then leased the house to a family. The new tenants began experiencing mysterious health problems soon after moving in and complained to the owner. Testing revealed that the cleanup company had not adequately decontaminated the HVAC system. Methamphetamine contamination remained at 80 times the state’s designated safe limit. The tenants sued the contractor for bodily injury.

Final Consideration

As a contractor you can be faced with the cost to defend yourself against allegations or legal action from pollution related events, regardless if you are at fault or not. Having the proper insurance coverage in place will help fund the expenses incurred to investigate or defend against a claim or suit and provide you with environmental claims handling expertise.

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This environmental risk overview offers a general understanding of potential risks and may not reflect all risks associated with your business. Environmental Risk Professionals has compiled this overview for informational purposes only. This overview does not constitute legal opinion or advice, nor does it establish a consultant-client relationship. This overview is not intended to guide project parties in interpreting specific contracts or resolving disputes; such decisions may require consultation with counsel and depend on various factors. © 2025 Environmental Risk Professionals, LLC