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Contractors Pollution Liability Insurance

Commercial General Liability policies exclude damage related to pollution. Contractors Pollution Liability is required to cover exposures where there is an environmental liability due to a sudden and accidental spill or other pollutant event causing harm to people or property. Coverage can include costs for cleanup as well as lawsuits due to the loss of use of damaged property and/or bodily injury to individuals.
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Who Should Buy Contractors Pollution Liability Insurance

Those working in environmental fields such as asbestos, lead or mold abatement can purchase contractor’s pollution liability. Those occupations are obvious but all contractors face exposure to pollution liability.

Some examples of contractors that should consider contractors pollution liability:

  • excavation
  • sewer/water
  • demolition
  • marine
  • tank installation
  • fire or flood restoration
  • carpentry
  • concrete
  • drywall
  • landscaping
  • masonry
  • mechanical or HVAC
  • painting
  • roofing

Contractors Pollution Liability Insurance Coverage Options

  • Includes sudden and accidental pollution but may also be extended to provide coverage for gradual pollution events.
  • Transportation of pollutants coverage
  • Emergency Response costs
  • mold coverage
  • asbestos coverage
  • coverage for civil fines, penalties and punitive damage
  • coverage for completed operations
  • Policy can be written on a claims-made or occurrence basis
  • Territory may be Canada only or written on a world-wide basis

Contractors Pollution Liability Insurance Claims Examples

Types of Claims that may be covered by a contractor’s pollution liability policy:

An excavation contractor whose work results in rupture of a sewer line

A construction contractor using a gas-powered generator fails to properly vent emissions resulting in death or sickness of building occupants

A contractor removing an underground storage tank hits a gas line causing an explosion

A remediation contractor inadvertently crushing what was meant to be empty drums resulting in gallons of hazardous substance contaminating the soil.

A severe rainstorm occurring after a paving contractor sprays a tack coat onto a sub-base resulting in hazardous substance washing into a nearby stream.

A renovation contractor removing paint from the interior of an older home results in lead poisoning to the occupants of the home.

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You need an insurance expert that understands Contractors Pollution Liability Insurance to be able to define all the possible risks associated with your business so you get the best possible coverage to ensure that a single simple accident or oversight doesn’t overcome your business. You know your business, we know the risks and the ways to protect your business from potentially crippling law suits or loss.

We don’t offer instant online quotes for Contractors Pollution Liability Insurance because there is no way we can get to know you and your business without speaking to you and coming to understand all the complexities or simple processes that need to be insured.
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