Typical Customers

Include contractors engaged in all facets of plumbing 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.

Failure to properly locate underground utilities and pipelines may cause plumbing contractors to strike the line and cause leakage. Leakage can result in explosion or release of fumes.

Plumbing systems and process piping can generate significant amounts of waste materials that are often insulated with asbestos. Releases of asbestos can occur during onsite storage prior to disposal or at the disposal site.

Installation, retrofit, or repair of circuits may cause disruption of asbestos ceiling tile or insulation of heating plant piping.

Extensive wastewater contamination of soils and groundwater can occur if demolition operations or plumbing installations and renovations are done without completely disconnecting sewer lines.

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.