When insurers cover a risk the determination of what qualifies as a covered claim is often dependent upon the Court's interpretation of the alleged toxin in the context of toxic tort litigation. Pet urine and feces can cause bodily injury and/or property damage giving rise to a third party claim but are these claims excluded under a general liability policy? The answer is dependent upon your jurisdiction and the case law interpreting the applicable toxic tort liability policy.
An article on this issue can be found here.
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