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:
fire or flood restoration
mechanical or HVAC
Includes sudden and accidental pollution but may also be extended to provide coverage for gradual pollution events.
Transportation of pollutants coverage
Emergency Response costs
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
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.