Typical Customers

Include contractors engaged in all facets of painting operations in both commercial and residential construction.

Potential Exposures

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

Hazardous job-site handling, mixing, storage, and disposal of solvents, paint, roofing polymers, or adhesives can lead to leakage or spills.

Overspray of paint and roofing polymer can end up in public water supplies and may necessitate a cleanup. Overspray can also be readily moved through ventilation units of neighboring buildings, causing noxious fumes.

Residual lead paint.

Vandalism or attempted theft can result in malicious or inadvertent releases of diesel fuel, gasoline, paints, lacquers, stains or adhesives.

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:

• 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.