{"id":8724,"date":"2024-12-19T06:30:00","date_gmt":"2024-12-19T14:30:00","guid":{"rendered":"https:\/\/www.businessinsuranceusa.com\/news\/?p=8724"},"modified":"2026-05-13T11:38:23","modified_gmt":"2026-05-13T18:38:23","slug":"pfas-exclusion-business-insurance","status":"publish","type":"post","link":"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/pfas-exclusion-business-insurance\/","title":{"rendered":"PFAS and insurance exclusions: what businesses need to know"},"content":{"rendered":"\n<p class=\"yoast-reading-time__wrapper\"><span class=\"yoast-reading-time__icon\"><svg aria-hidden=\"true\" focusable=\"false\" data-icon=\"clock\" width=\"20\" height=\"20\" fill=\"none\" stroke=\"currentColor\" style=\"display:inline-block;vertical-align:-0.1em\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M12 8v4l3 3m6-3a9 9 0 11-18 0 9 9 0 0118 0z\"><\/path><\/svg><\/span><span class=\"yoast-reading-time__spacer\" style=\"display:inline-block;width:1em\"><\/span><span class=\"yoast-reading-time__descriptive-text\">Estimated reading time: <\/span><span class=\"yoast-reading-time__reading-time\">4<\/span><span class=\"yoast-reading-time__time-unit\"> minutes<\/span><\/p>\n\n\n\n<p>Perfluoroalkyl and polyfluoroalkyl substances (PFAS) are a large group of man-made chemicals used for heat, oil, and water resistance in many industrial and consumer applications. <a href=\"https:\/\/www.epa.gov\/pfas\/our-current-understanding-human-health-and-environmental-risks-pfas?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener\">Because PFAS can persist<\/a> in the environment, drive cleanup obligations, and trigger litigation, they have become a growing risk issue for many businesses and their insurers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-pfas-is-treated-as-a-high-risk-issue\">Why PFAS is treated as a high-risk issue<\/h3>\n\n\n\n<p>Research suggests that exposure to <a href=\"https:\/\/www.epa.gov\/pfas\/our-current-understanding-human-health-and-environmental-risks-pfas?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener\">certain PFAS<\/a>, particularly legacy compounds such as PFOA and PFOS, may be associated with health effects. Evidence and conclusions vary by compound, exposure level, and population, and scientific understanding continues to evolve.<\/p>\n\n\n\n<p>Examples of health outcomes that have been reported in the research for certain PFAS include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Increased <a href=\"https:\/\/www.atsdr.cdc.gov\/pfas\/docs\/PFAS-info-for-clinicians-508.pdf?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener\">cholesterol and changes in liver enzymes<\/a><\/li>\n\n\n\n<li>Immune effects, including lower antibody response to some vaccines, in <a href=\"https:\/\/www.atsdr.cdc.gov\/pfas\/docs\/PFAS-info-for-clinicians-508.pdf?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener\">some studies<\/a><\/li>\n\n\n\n<li>Thyroid dysfunction and small reductions in birth weight in some studies<\/li>\n\n\n\n<li>Cancer hazard classifications for specific PFAS. <a href=\"https:\/\/monographs.iarc.who.int\/news-events\/volume-135-perfluorooctanoic-acid-and-perfluorooctanesulfonic-acid\/?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener\">IARC has classified PFOA<\/a> as carcinogenic to humans (Group 1) and PFOS as possibly carcinogenic (Group 2B).<\/li>\n\n\n\n<li><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-rise-of-pfas-exclusions-in-insurance-policies\">The rise of PFAS exclusions in insurance policies<\/h3>\n\n\n\n<p>Insurers are increasingly adding <a href=\"https:\/\/www.reedsmith.com\/our-insights\/blogs\/the-policyholder-perspective\/102k33z\/insurance-coverage-implications-for-pfas-related-liabilities\/?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">PFAS-specific exclusions<\/a> or broader endorsements that restrict coverage for PFAS-related bodily injury, property damage, and cleanup allegations. In the U.S., industry-standard endorsements have been introduced, and many carriers also use proprietary PFAS exclusion language.<\/p>\n\n\n\n<p>Even when a policy does not contain a PFAS-specific exclusion, insurers may argue that a pollution exclusion or contaminant definition applies, depending on the <a href=\"https:\/\/www.stblaw.com\/about-us\/publications\/view\/2025\/11\/21\/pfas-litigation-and-insurance-coverage-update---november-2025?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener\">allegations, facts, and jurisdiction<\/a>. Coverage is highly policy-specific, and outcomes can vary significantly across courts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-this-can-mean-for-your-business\">What this can mean for your business<\/h3>\n\n\n\n<p>If your operations manufacture, use, transport, apply, or dispose of PFAS-containing materials, PFAS exclusions can shift high costs back onto the business, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Defense costs for third-party claims and litigation<\/li>\n\n\n\n<li>Investigation and cleanup costs tied to alleged releases or migration<\/li>\n\n\n\n<li>Business interruption impacts tied to remediation or supply chain disruption<\/li>\n\n\n\n<li>Regulatory response costs in some scenarios<\/li>\n<\/ul>\n\n\n\n<p>Many fines and penalties may be uninsurable or limited by law and policy language, so do not assume insurance will respond to those amounts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-where-pfas-risk-commonly-shows-up\">Where PFAS risk commonly shows up<\/h3>\n\n\n\n<p>PFAS risk is not limited to chemical manufacturers. It can appear across:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fire suppression and AFFF legacy use, including training areas<\/li>\n\n\n\n<li>Industrial operations with coated materials, surface treatments, or specialized manufacturing<\/li>\n\n\n\n<li>Waste handling, landfills, and wastewater pathways, where PFAS can concentrate over time<\/li>\n\n\n\n<li>Real estate transactions involving sites with historic industrial use<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-which-insurance-policies-are-most-often-impacted\">Which insurance policies are most often impacted<\/h3>\n\n\n\n<p>PFAS restrictions can appear across multiple lines, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/www.businessinsuranceusa.com\/general-liability-insurance\">Commercial General Liability<\/a> and <a href=\"https:\/\/www.businessinsuranceusa.com\/excess-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Umbrella\/Excess<\/a>:<\/strong> PFAS-specific exclusion endorsements are increasingly seen at renewal, and <a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/pollution-liability-insurance\/\">pol<\/a><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/pollution-liability-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">l<\/a><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/pollution-liability-insurance\/\">ution<\/a> exclusions are often litigated.<\/li>\n\n\n\n<li><strong>Environmental or Pollution Legal Liability:<\/strong> May provide a better fit for certain PFAS scenarios, but underwriting and exclusions vary.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.businessinsuranceusa.com\/contractors-pollution-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Contractors&#8217; Pollution Liability<\/a>:<\/strong> Important for contractors working at contaminated sites or performing remediation-adjacent work.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.businessinsuranceusa.com\/professional-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Professional liability<\/a>:<\/strong> Potential exposure for environmental consultants and engineers, depending on services and allegations<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-practical-steps-to-reduce-the-impact-of-pfas-exclusions\">Practical steps to reduce the impact of PFAS exclusions<\/h3>\n\n\n\n<p>Complete avoidance is not always feasible, but you can reduce risk and improve insurability:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Map your PFAS touchpoints<\/strong><br>Create an inventory of where PFAS may exist in products, inputs, firefighting systems, waste streams, and historical site conditions.<\/li>\n\n\n\n<li><strong>Strengthen EHS controls and documentation<\/strong><br>Focus on release prevention, wastewater and waste handling controls, vendor due diligence, and retention of disposal manifests and sampling data.<\/li>\n\n\n\n<li><strong>Plan for renewal early<\/strong><br>Ask your broker for a written endorsement review, including PFAS and emerging contaminant exclusions. If an exclusion is mandatory, discuss whether any defense carve-outs, sublimits, or buy-backs are available.<\/li>\n\n\n\n<li><strong>Consider specialized environmental coverage<\/strong><br>For companies with meaningful PFAS exposure, explore environmental insurance options designed to address pollution-related liability gaps, subject to underwriting.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-questions-to-ask-your-broker-at-renewal\">Questions to ask your broker at renewal<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Do we have any PFAS-specific endorsements or emerging contaminant exclusions?<\/li>\n\n\n\n<li>Does our policy definition of pollutants or contaminants create PFAS uncertainty?<\/li>\n\n\n\n<li>Are there options for a PFAS carve-back, sublimit, or defense-only protection?<\/li>\n\n\n\n<li>Should we quote Pollution Legal Liability or Contractors Pollution Liability to address key gaps?<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-if-you-receive-a-pfas-related-notice-demand-or-lawsuit\">If you receive a PFAS-related notice, demand, or lawsuit<\/h3>\n\n\n\n<p>Notify your broker and coverage counsel promptly, preserve records, and track defense costs carefully. Do not assume a PFAS allegation is automatically uninsured. The outcome often depends on wording, timing, and the allegations pleaded.<\/p>\n\n\n\n<ul class=\"wp-block-yoast-seo-related-links yoast-seo-related-links\">\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/fall-protection-tips-construction-worksites-how-to-protect-team-from-injuries\/\">Construction Fall Protection Tips and OSHA Basics<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/commercial-general-liability\/whats-not-covered-under-general-liability-insurance\/\">What a General Liability Policy Typically Does Not Cover for Contractors<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/pollution-liability-insurance\/\">Contractors&#8217; Pollution Liability Insurance. What It Covers, Why It Matters, and When It May Be Required<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/the-critical-role-of-contractor-errors-and-omissions-insurance-safeguarding-against-unseen-risks\/\">Contractor Errors and Omissions Insurance: Why Contractors Buy It and What It Covers<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/benefits-of-working-with-insurance-brokers\/\">Why Many Businesses Choose an Insurance Broker for Commercial Coverage<\/a><\/li>\n<\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Perfluoroalkyl and polyfluoroalkyl substances (PFAS) are a large group of man-made chemicals used for heat,&#8230;<\/p>\n","protected":false},"author":3,"featured_media":8726,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[737],"tags":[],"class_list":{"0":"post-8724","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-insurance"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.1 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>PFAS and insurance exclusions: what businesses need to know<\/title>\n<meta name=\"description\" content=\"Understand how these exclusions affect liability coverage, legal risks, and regulatory compliance for businesses.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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