Professional Liability Exposures under the CGL Form

Q

An insured of ours operates a septic tank cleaning company. In addition, he does dye tests for banks for mortgage closings. Dye tests consist of pouring a vegetable dye into the drains while the water is running to see if any of the dye appears on the surface, indicating a failure of the system. The notice to the property owner tells of the condition of the field on a fixed date and contains no warranty as to future condition. There are no national standards, apparently, on how this test is to be performed. The local board of health follows the same testing procedure but our insured tests to higher standards as he runs more water through the system than does the county.