The bad news: Exposure to indoor mold can trigger serious allergic reactions and even infections among workers and visitors to your building, leading to lost productivity and the costs and hassles of litigation.
The good news: Taking precautions against this risk can help prevent health problems and limit your exposure.
The potential for indoor exposure to mold has increased in recent years because of the way buildings are constructed and insulated. Tighter structures and sealed synthetic building materials can reduce air movement and raise moisture levels, creating conditions that nurture mold growth.
Poorly designed or poorly maintained heating, ventilation, and air-conditioning systems also contribute to indoor mold exposure. Filters and filtration devices can provide a habitat for mold in high humidity, HVAC systems can re-circulate air that contains mold spores if filters do not trap them effectively, and failure to maintain systems allows unchecked mold growth.
Human factors contribute as well: people spend more time indoors, many have compromised immune systems from illness or medication, and new mold organisms continue to emerge.
Although it’s not practical to eliminate all indoor molds and spores, you can stop indoor mold growth and reduce mold presence in the workplace by taking these steps.
Clean small-scale mold growth as soon as possible using a 10% chlorine bleach solution; always wear proper personal protective equipment (gloves, eye protection, and a mask to protect against airborne spores) and dry surfaces completely after cleaning.
Fix leaks promptly; moisture from leaks provides an ideal environment for mold growth.
Seal susceptible surfaces with a paint or coating that contains a fungicide to inhibit future growth.
Large-scale mold problems require professional remediation that may use oxidizers, fungicides, bactericides, and shielding compounds that lock antimicrobial agents into treated surfaces; for insurance considerations related to remediation, see Mold Abatement Insurance.
Mold exposure can carry financial and liability risks; for information on coverage options and how policies may respond, see Mold insurance overview.
Our risk management specialists can help you assess and reduce mold risk in your workplace—if you want a policy review or to discuss next steps, talk to an agent.
Frequently Asked Questions
What causes mold to grow indoors?
Mold needs moisture, organic material to feed on, and suitable temperatures; poor ventilation, leaks, and high humidity are common causes indoors.
Can I clean small mold problems myself?
Yes—small areas can be cleaned with a 10% bleach solution while using proper PPE, but avoid disturbing large or hidden infestations and consult professionals when in doubt.
When should I call a professional remediator?
Call a professional for large-scale mold, mold in HVAC systems, or when mold covers porous materials and building structures that are difficult to clean safely.
Will insurance cover mold damage?
Coverage depends on your policy and the cause of the mold; review your policy terms or consult an agent to understand what is and isn’t covered.