For example, a tenant, property owner, neighbor, or a person in the vicinity is exposed to lead paint dust (or other pollutants) and develops health issues. Whether or not “lead safe work practices” are followed, and if a third party becomes ill, the contractor will be liable. The EPA RRP law sets the standards high for lead safe work practices, and third parties will be informed and aware of what constitutes lead safe work practices as required by law. That leaves residential contractors who wish to be covered obligated, to purchase Pollution insurance as a separate policy. Pollution Insurance covers damage done by mold, asbestos, and other toxic substances, including lead. Four or five years ago, it wasn’t on the radar screen of either remodeling companies or those who insure them. Today an increasing number of insurers offer pollution policies. But if you’re shopping for pollution insurance, be sure that the policy covers lead. “A lot of insurance agents may think that the standard pollution insurance policy includes coverage for lead,” when in fact it may not. There have been contractors that have been unpleasantly surprised to find out that their Pollution policy did not cover lead. For the longest time mold has been the big thing, and the pollution policies have revolved around mold.” So just because it’s a pollution policy it doesn’t mean there is lead coverage. Costs for pollution insurance typically range between about $1,800 up to $5,000 in annual premium for damages of up to $1 million and a $5,000.00 deductible.