Contractors Pollution Liability (CPL)

ISO Commercial CGL policies exclude Pollution Liability coverage, leaving the policyholder in need of coverage for pollution exposures arising from third-party claims for pollution or contaminants released into the environment. Our Contractors Pollution Liability (CPL) product is ideal for such situations, as it covers bodily injury, property damage, legal expenses, and clean-up costs resulting from pollution conditions arising from a company’s contracting or service operations. CPL may be written on either a package or monoline basis for eligible risks. This policy may also be enhanced to include additional coverage for pollution liability associated with Non-Owned Disposal Sites and/or Transportation of the insured’s products, cargo or waste. 
 
The CPL policy is suitable for many environmental and non-environmental artisan and specialty trade contractors, including:
  • Alternative energy contractors
  • Construction managers and general managers
  • Demolition contractors
  • Drilling contractors (excluding oil and gas)
  • Drywall contractors
  • Electrical contractors
  • Environmental contractors and consultants
  • General Contractors
 
General Construction
  • HVAC contractors
  • Industrial cleaners
  • Masonry and concrete contractors
  • Mechanical contractors
  • Painting contractors
  • Excavation and grading contractors
  • Painting and coating contractors
  • Plumbing contractors
  • Sewer and septic contractors
  • Street and road contractors
  • Restoration and renovation contractors
  • Roofers
  • Steel erection contractors
  • Utility contractors
 
Policy Benefits
  • Coverage is written through an A.M. Best A++ XV rated carrier
  • All contractor risks are eligible including: environmental and non-environmental construction managers, general contractors, trade and specialty contractors
  • Available on either a practice or project-specific basis; multi-year policies available for projects up to five (5) years
  • Covers work performed by or on behalf of the named insured (work by subcontractors)
  • Occurrence or claims-made coverage
  • Available as a stand-alone policy, or in a combined package with other coverages such as general liability, professional liability, transportation pollution liability, and contractor’s site pollution liability
  • Common enhancements include mold coverage, transportation pollution coverage, non-owned disposal site coverage, blanket additional insured, blanket waiver, separate defense limits
  • Mold exposures may be written on an occurrence form basis for all classes
  • Defense costs (claims expenses) are provided outside the limit of liability (unlimited)
  • $75,000 sublimit for emergency response costs
  • Definition of property damage includes Natural Resource Damages
  • Non-owned Site Liability for waste disposal
 
Policy Features
  • Limits of liability up to $6M occurrence/$7M aggregate
  • Three (3) years on a per project basis
  • $1,000 minimum premium (monoline CPL only)
  • Covers contracting services in the U.S. and Canada
 
Submission Requirements
  • ALTA Environmental Insurance Application (or other eligible environmental carriers’ applications)
  • Past three (3) years loss history
  • Last two (2) years financial statement
  • Internet website information