Most commercial insurance policies require proper asbestos assessment before renovation work, and claims can be denied for improper handling. Insurance companies increasingly scrutinize asbestos-related exposures due to massive liability potential. Property managers and facility owners who fail to conduct required testing may find themselves personally liable for remediation costs, worker compensation claims, and third-party health lawsuits. Professional testing documentation provides crucial liability protection and demonstrates due diligence to insurers. For contractors, many commercial clients now require proof of proper asbestos assessment before project approval, making professional testing essential for business operations and insurance coverage. Counties require asbestos surveys before issuing permits.