Crime Scene Cleaners Insurance
Coverage designed for biohazard & trauma scene cleanup companies handling bloodborne pathogens, decomposition, vehicle decontamination, and odor remediation. Get contract‑ready certificates for property managers, restoration partners, and municipalities. No instant quote—use the contact form to get started.
What this covers
Biohazard remediation involves bloodborne pathogen exposures, regulated waste handling, and odor/structural remediation after traumatic events. We help align your policy forms and limits to contracts while addressing the unique risks of cleanup, transport (where applicable), and disposal coordination.
- GL often contains fungi/bacteria and pollution exclusions—Contractors Pollution Liability (CPL) is commonly recommended.
- Contracts may require Additional Insured, Primary & Noncontributory, and Waiver of Subrogation wording.
- Many jobs require proof of OSHA Bloodborne Pathogens (1910.1030) training and respiratory protection compliance.
Coverages & Limits
General Liability (GL)
| Each Occurrence | $1,000,000 typical (higher available) |
|---|---|
| General Aggregate | $2,000,000–$4,000,000 typical |
| Products/Completed Ops | Included — key for post‑remediation claims |
| Fungi/Bacteria | Often excluded; address via CPL or endorsements |
| Contractual Liability | For indemnity in service agreements (subject to form) |
GL addresses third‑party injury/property damage. It does not cover biohazard pollutants or purely professional errors (see CPL / Professional Liability).
Contractors Pollution Liability (CPL)
- Third‑party bodily injury/property damage and cleanup costs from covered pollution events (incl. biohazards).
- Jobsite, transit, and non‑owned disposal site coverage available per form.
- Pairs with GL to fill biohazard exclusions and waste handling exposures.
Professional Liability (Contractors E&O)
- Alleged negligent remediation protocols, clearance/ATP testing disputes, or failure to follow standards.
- Addresses economic loss claims not covered by GL.
Workers' Compensation
- Employee injuries including BBP exposures; check Hep B vaccination policy and post‑exposure protocols.
- Owner inclusion/exclusion varies by state; EMR and training affect pricing.
Commercial Auto / HNOA
- Company vans/trucks; $1M CSL liability is common.
- Hired & Non‑Owned Auto when renting vehicles or using employee autos.
- Consider transport of regulated medical waste eligibility and filings where applicable.
Inland Marine (Tools & Equipment)
- HEPA vacs, negative air machines, ozone/thermal foggers, sprayers, PPE stock, meters, and hand tools.
- On job sites, in transit, and at your shop (subject to security warranties).
- Options: Rented From Others, Employee Tools.
Umbrella / Excess Liability
- Higher limits over GL/Auto/Employers’ Liability; often requested by hospitals, municipalities, and national partners.
Contracts & Certificates
- Provide exact AI/PNC/Waiver wording from restoration partners, property managers, or municipalities.
- List disposal vendors and non‑owned disposal sites if required by the contract.
- We issue same‑day COIs once bound and funded.
Safety & Compliance
- OSHA Bloodborne Pathogens 1910.1030 program; written exposure control plan; Hep B vaccination offer.
- Respiratory protection: medical clearance, fit testing, and training for selected respirators.
- PPE, sharps controls, and decon procedures; sealed packaging and labeling.
- HazCom for disinfectants/biocides; maintain SDS.
- Waste transport/disposal: licensed hauler or third‑party vendor; maintain manifests/receipts.
- 24/7 dispatch, driver training, and incident reporting logs.
Exclusions to Know
- Pollution, fungi, bacteria, and pathogen exclusions on GL (address with CPL).
- Professional services exclusions on GL (address with E&O).
- Auto, workers’ comp, or your equipment losses (handled by their own policies).
- Criminal/intentional acts; fines/penalties; contractually assumed liability beyond policy terms.
We’ll review forms and endorsements with you and propose CPL/E&O to close common gaps.
Pre‑Quote Underwriting Checklist
- Services: trauma, unattended death, vehicle decon, odor, hoarding (biohazard), other
- Annual revenue; % emergency calls; 24/7 operations
- Employee count, training (BBP, respirator), Hep B policy, PPE inventory
- Waste handling: vendor names, manifests, transport method (self vs. third‑party)
- Territory/radius; principal customers (property managers, law enforcement, restoration partners)
- Fleet list & driver standards; prior claims (5‑year loss runs)
- Equipment schedule and security; max materials/chemicals stored
Frequently Asked Questions
Does GL cover biohazard cleanup?
GL addresses third‑party injury/property damage but typically excludes pollutants, fungi, bacteria, and pathogens. CPL is recommended to address cleanup‑related pollution exposures.
Do I need both CPL and Professional Liability?
They address different risks. CPL responds to pollution events and cleanup costs; Professional Liability addresses alleged errors in protocols or failure to meet standards, which can lead to economic loss claims.
Can you add hospitals and property managers as Additional Insureds?
Yes—when supported by the carrier. We will match AI/PNC/Waiver wording to your contracts and can include completed‑operations where required.
Are my tools covered under GL?
No. Consider Inland Marine to insure equipment like HEPA units, foggers, and meters against theft and other causes of loss.
This page summarizes common options. Final terms depend on policy forms and underwriting.
Contact Form
Tell us about your operation and we’ll follow up quickly with options.