Insurance policies have many variables, while Crime Scene or Biohazard cleanup is often covered, you must consult your insurance broker or agent to determine your specific coverages.
Blood itself is not a biohazard, it’s what may be in the potentially hazardous blood, such as bloodborne pathogens (BBPs) or infectious microorganisms, that can cause diseases.
Biohazards are any biological contaminants such as those found in sewage, mold, or any viral or bacterial contamination such as MRSA. Biohazards also include toxins found in decaying organisms, as well as bodily fluids.
Bloodborne pathogens (BBPs), as defined by the Occupational Safety and Health Administration (OSHA), means pathogenic microorganisms that are present in human blood and can cause disease in humans. These pathogens include, but are not limited to, hepatitis B virus (HBV) and human immunodeficiency virus (HIV).
When a biohazard occurs, professionals are needed to clean and disinfect as improper treatment can spread contamination and lead to illness or life-threatening conditions.