There are a variety of environmental exposures that affect plastering and stucco contractors. Fugitive dust from sanding activities or mixing dry products can contain hazardous materials, including silica. Off-gassing from joint compounds and bonding agents can impact indoor air quality. Mold can grow on plastering materials from moisture absorption during storage, improper installation, or sealing. Repair or renovation work can inadvertently disturb existing asbestos or lead-based paint and release hazardous particulates. Improper containment or disposal of washout water can lead to cleanup liability and natural resource damage.
Any work done with concrete, cement, mortars, and numerous types of clay uses a product containing a severe disease-causing, respirable crystalline silica. Releases may occur by transporting, handling, and mixing dry materials for new applications or repairs. Dry emissions generate potential inhalation exposures because airborne particles can stay suspended and concentrate or migrate off-site with wind currents. Once inhaled, particles accumulate in the lungs and cause scarring and formation of nodules. Exposure may lead to chronic obstructive pulmonary disease (COPD), cancer, kidney disease, or silicosis, which can result in third-party bodily injury claims.
Water and moisture can get behind the stucco wall if not properly sealed. The moisture can’t drain or dry once it gets behind the walls. The trapped moisture can grow mold or rot and severely damage wooden studs and wall sheathing underneath, potentially resulting in cleanup and third-party claims.
Stucco works well in hotter and drier climates. It can become compromised in areas with changing seasons and variations in moisture. The material may warp and crack if not applied and sealed properly in these areas. Cracks or tears in the stucco surface can allow water to migrate into underlying building materials, leading to potential mold growth.
Mold growth can occur on plastering materials through moisture absorption, either by improper storage of materials or direct absorption of water vapor at high humidity levels.
Asbestos was formerly used in building and construction materials for its insulating properties and to increase the strength and durability of products. Older buildings may have asbestos-containing materials (ACM) in plaster, cement, concrete, putties, caulk, and spray-on coatings. ACM can be inadvertently disturbed and released during repairs or remodeling, including by preparing surfaces such as textured coverings, especially when sanding or grinding tools are used. Damage from unintentional accidents can lead to a release, potential cleanup, and third-party claims.
Lead-based paint may be found on the interior or exterior of a structure. This paint may be dislodged during the repair or renovation of existing plaster or stucco, releasing lead particulates into the surrounding environment. Third-party claims could result from exposure.
Volatile organic compounds (VOCs) from bonding agents, mortars, gels, etc., may result in off-gassing and impacting indoor air quality. Finishes, acrylic-modified plasters, spray emulsions, and polymers may give off hazardous fumes when air drying. Outdoor applications of materials can result in the migration of fumes to neighboring properties. Exposure or perceived injury from these fumes may result in third-party claims.
Discharge from washout facilities used to clean tools and equipment for materials such as stucco, paint, mortar, plaster, or grout can leach into the ground and contaminate groundwater or stormwater run-off. Improper containment, handling, or disposal of wastewater can result in environmental cleanup, natural resource damage, or third-party liability. Wash water can contain hazardous materials that inhibit plant growth and harm aquatic life if run-off migrates to a lake or stream.
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, and fungi
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
First-party emergency response costs
Defense of third-party claims
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.