Coverage intent
A silica exclusion limits coverage for injury, damage, defense, cleanup, or liability arising from silica, silica dust, or silica-containing materials.
Coverage impact
Silica exclusions are important in construction, manufacturing, premises, products, and environmental liability products where inhalation and latent injury exposure can be severe.
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Sample form language
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Selected form
Silica Exclusion
Form #: 1G1535FR 01 24
Peerless Insurance Company
Commercial General Liability
MD | Jun 4, 2026
This CGL endorsement excludes silica-related injury, loss, suits, and response costs, then defines silica risks broadly.
Silica liability and response-cost scope
SILICA This insurance does not apply to: (1) Any liability, damages, loss, or injury, arising out of, or allegedly caused in whole or in part by "silica risks". (2) Any demand, claim, or "suit" against any insured of which any part alleges liability, damages, loss, or injury, arising out of, or allegedly caused in whole or in part by "silica risks". (3) Any damages, loss, costs, or expenses arising out of any: (a) Request, demand, order, or statutory or regulatory requirement that any insured or others test for, monitor, abate, clean up, remove, contain, treat, detoxify, neutralize, remediate, dispose of, or in any way respond to, or assess the effects of "silica risks". (b) Claim or suit by or on behalf of any governmental authority or any other person, entity, or organization for damages because of testing for, monitoring, abating, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating, disposing of, or in any way responding to, or assessing the effects of "silica risks". "Silica risks" means the inhalation of or exposure to silica at any time, in any form, alone or combined with any other substances or factors, whether included as a component part of a product or otherwise.
Selected excerpt from this form.
Notable language points
- 01Applies to liability, damages, loss, injury, demands, claims, and suits.
- 02Extends to testing, abatement, cleanup, removal, containment, treatment, remediation, disposal, and response costs.
- 03Defines silica risks to include exposure to silica in any form, alone or combined with other substances.
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