Year-Old EPA Rule Requires Contractors to Use Lead Safe Practices
Since April 22, 2010, EPA Rule 40 CFR Part 745 has required contractors performing renovation, repair and painting operations that could disturb lead-based paint in homes, child care facilities and schools built before 1978 to be trained and certified to follow specific work practices to prevent lead contamination. Although the EPA rule does not mandate insurance coverage, it subjects contractors to significant liability exposure. Contractors’ pollution liability coverage for this exposure is available for certified contractors with minimum premiums of $550 for claims made policies, $800 for occurrence based policies. Base limits are $250,000; higher limits are available.