Typical Customers

Include HVAC and Mechanical Contractors doing both commercial and residential work.

Potential Exposures

Maintenance errors from heating, ventilation, and air conditioning can result in the release of airborne bacteria or carbon monoxide build up.

Development of mold or fungus from water intrusion due to incorrect installations, piping or HVAC errors, wet materials or improper sealing procedures.

Discharge of boiler water from hot water heating systems can contain significant concentrations of iron, sulfates, phosphates and amines, and can cause serious water pollution if disposed of improperly.

Products Available

Contractors Pollution Liability (CPL)

Minimum Premium(s)

Minimum premiums start at $2,000 and will vary based on carrier, class of business, and size / history of risk.

Coverage enhancements, limits, and any surplus lines taxes / fees will also affect the total cost of placement. Please contact us for a quick, ball-park estimate.

 Additional Details

Coverage is available on a practice or a project-specific basis.

Covers BI liability, PD liability, and clean-up costs for a pollution condition arising from the insured’s operations and resulting in a claim.

Covers work performed by or on behalf of the named insured (work by subcontractors).

Common enhancements include:

• Mold coverage
• Transportation pollution coverage
• Blanket additional insured
• Blanket waiver
• Separate defense limits
• Non-owned disposal site
• And many others...
  

Common Underwriting Requirements

CGL Loss Runs (and CPL if applicable)

Most recent Year-End Financial Statements

Claims Made CPL Retro Date requires evidence of prior coverage (copy of expiring dec page)

Getting Started

Complete an online Contractors Pollution Liability application using the UCPM online system.