Which endorsement is specifically designed to limit coverage related to mold claims in general liability insurance?

The Limited Fungi or Bacteria Coverage Endorsement is specifically designed to address coverage limitations concerning mold claims within general liability insurance policies. This endorsement modifies the policy to specify the extent of coverage offered for mold-related damages, typically by setting restrictions on the circumstances under which mold claims will be covered, such as excluding certain types of damage or capping the maximum payout available for such claims.

This endorsement is particularly important because it directly responds to the increasing concerns and claims associated with mold and bacteria, which may lead to significant health risks and property damage. By incorporating this endorsement, insurers can manage their risk and provide policyholders with clearer terms regarding mold coverage, reflecting the growing need for a more defined approach to such claims.

The other options, while they mention mold-related coverage, do not specifically address the limitations in the way that the Limited Fungi or Bacteria Coverage Endorsement does. They may offer various levels of coverage but may not be as focused on explicitly limiting the terms and conditions of mold claims like this endorsement does.