Does Insurance Cover Biohazard Cleanup?

Insurance may cover some biohazard cleanup losses, but there is no universal rule that applies to every policy or event. Coverage depends on policy language, cause of loss, exclusions, deductibles, and the insurer's determination.

Useful steps

1. Notify the insurer or claims representative when appropriate.
2. Ask what documentation the carrier needs.
3. Keep estimates, invoices, photos, and other relevant records.

A cleanup company's general comments are not an insurance coverage decision.