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Most tenants assume their rented home will be a safe environment. But what if they couldn’t really breathe easily in their home because the air was contaminated?

When we think of environmental risk, we think of the traditional causes — fires, explosions, leaking tanks or pipelines, and spills. While major catastrophe claims for traditional environmental exposures continue to comprise the majority of claims processed, new emerging risks like microbial contamination or secondary contamination are becoming major contributors to environmental risk claims. These emerging risks have risen in cost and frequency over the last five years, predominantly driven by an increase in extreme weather. Insurers and their clients can protect against both traditional and emerging environmental risks by understanding them and reviewing the past few years to see what can be learned about the changing environmental risk landscape.

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