Fungi Or Bacteria Exclusion
Excludes mold and bacteria claims — a significant gap on remediation, water, and demo work.
What it actually does
CG 21 67 excludes coverage for bodily injury, property damage, and personal/advertising injury arising out of the actual, alleged, or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of any "fungi" or bacteria — including mold — and any related costs of testing, remediation, or abatement.
This "mold exclusion" is widespread on modern CGLs. For most trades it's routine, but for water-damage restoration, mold remediation, demolition, roofing, plumbing, and any work that can create moisture conditions, it's a meaningful gap. Those subs need either a buy-back of mold coverage or a separate pollution/environmental policy that includes fungi and bacteria.
When verifying COIs from moisture- or remediation-exposed trades, confirm whether CG 21 67 is attached and whether the sub carries coverage that fills the mold gap; otherwise a mold claim from their work falls back on you.
Verification checklist
- 01Determine whether the sub's trade can create or disturb moisture/mold (restoration, demo, roofing, plumbing).
- 02If so, confirm separate mold/fungi coverage or a buy-back exists.
- 03Recognize CG 21 67 as standard on most CGLs — the question is the trade's exposure.
Common mistakes
- ·Overlooking the mold exclusion on water-restoration or remediation subs.
- ·Assuming a pollution policy automatically includes fungi/bacteria — confirm it does.
Frequently asked questions
What does CG 21 67 exclude?
All claims arising out of fungi or bacteria — including mold — plus related testing, remediation, and abatement costs.
Which subs should worry about CG 21 67?
Water-damage restoration, mold remediation, demolition, roofing, and plumbing — anyone whose work can create or disturb moisture. They need separate mold coverage.
Is CG 21 67 common?
Yes, it's standard on most modern CGLs. It only becomes a real gap for moisture- or remediation-exposed trades.
Checking a COI for CG 21 67?
Upload it free — we'll tell you whether CG 21 67 is actually attached, the right edition, and scheduled correctly, plus every other gap against your requirements.
Check a COI for CG 21 67 →Related endorsements
This page explains CG 21 67 in plain English for COI verification. It is informational only and is not legal or insurance advice — confirm the actual endorsement language and have your counsel or insurance agent review your specific requirements.