Typical Customers

Plumbers, HVAC & Mechanical Contractors, Electricians, Painting and Roofing Contractors, as well as Pipe-Fitters, Landscapers, Excavators, Carpet Cleaners, Demolition and Masonry Contractors, etc.

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.

• Overspray of paint and roofing polymer can damage vehicles, roofs, trees, and shrubbery. Overspray can also be readily moved through ventilation units of neighboring buildings, causing noxious fumes.

• Spray-on roofing operations can result in spills of urethane, polymer, or thinners – which can reach open drains, soil, or surface water.

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

Covers bodily injury liability, property damage liability and clean-up costs for a pollution condition arising from the insured’s operations and resulting in a claim.

Common enhancements include mold coverage, transportation pollution coverage, blanket additional insured, blanket waiver, separate defense limits.

Coverage for mold is provided on a claims-made policy form only.

Available on a practice or project-specific basis.

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

Available as a stand-alone policy, or in a combined package with other coverages such as general liability, professional liability, premises pollution liability and products pollution liability.

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.