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Environmental & Pollution Liability
for environmental contractors
Information and online form to get you started

Typical Customers: contractors focused primarily on asbestos abatement, lead abatement, mold abatement, soil remediation, tank removal, hazardous material cleanup, etc.

Some Potential Exposures:

lead, asbestos, mold emissions from incomplete abatement.
negligent handling of hazardous materials such as asbestos, fiberglass, fluorescent bulbs, (mercury) etc. can lead to air pollution.
excavation through and spreading of unknown pre-existing contaminated soil.
impacting underground storage tanks and utility lines.

Products Available:

Commercial General Liability (CGL)
Contractors Pollution Liability (CPL)
Umbrella/Excess
Auto - Liability & Physical Damage
Workers Compensation
Property/Contractors Equipment
Surety

Minimum Premium(s):

$2,500 - Combined CGL+CPL (Plus Taxes & Fees)
$2,500 - Umbrella (Plus Taxes & Fees)
$5,000 - Workers Compensation
$5,000 - Combined CGL/CPL (Plus Taxes & Fees) for Mold Contractors

Additional details:

CGL is typically occurrence form
CPL is available claims-made or occurrence
mold can be added as a pollutant on CPL
umbrella includes pollution liability
CGL/CPL can include:
- Transportation Pollution Liability (TPL)
- Hired/Non-owned Auto Liability
- Employee Benefit Liability
- Stop Gap Liability
- Blanket Additional Insureds
- Primary & Non-contributory Wording
- CG 20 10 11/85 or comparable substitute
- Separate & Like Defense Limits for CPL
- CGL/CPL is typically flat-rated (no audit)
- Minimum Deductible is $2,500

Common Issues: start-up mold contractors must have industry experience

Common Underwriting Requirements: most recent year-end financial statements and updated resumes of principal and key personnel

Click here to complete a brief online form to begin the quote process.

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