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Contractors Pollution Liability (CPL) Insurance can provide the protection contractors need against the environmental liabilities left uncovered by standard commercial general liability insurance with restrictive pollution exclusion clauses. Specifically tailored to the needs and exposures faced by contractors, CPL offers clients a business-critical solution to minimize loss when sudden or gradual pollution conditions are created through covered operations at a job site. Target classes include all construction and service contractors.

Features & Benefits

  • Protection for both sudden and gradual pollution conditions resulting from covered operations including completed operations

  • Ability to reduce the deductible paid by 50% if a loss is successfully mediated (up to $25,000)

  • Expanded product liability coverage for products installed as part of covered operations

  • Automatic over-the-road pollution protection for motor vehicles and watercraft used for covered operations

  • Limited non-owned disposal site exclusion now limited solely to transfer, storage or disposal facilities

  • Flexibility to choose whether a policy is written on a blanket or project-specific basis

  • Access to our many value-added tools and programs including PIER, web-based risk management tools and resources, loss control and specialty claims staff

Coverage

  • Coverage available on either a claims-made or occurrence basis

  • Coverage for third-party bodily injury, property damage and environmental damage

  • Available limits of up to $50 million

  • Sublimit of $250,000 for covered emergency response costs resulting from pollution conditions requiring immediate action; higher limits available
     
  • Available CrisisResponse®

  • Available disposal site coverage

  • Available site-specific insured property coverage for contractors' own premises

  • Available additional defense expense

  • Available expanded definition of pollution conditions may include microbial matter, legionella, silt and sedimentation