Insurance Policies Commonly Quoted in Construction

Pollution insurance (environmental liability) provides coverage for third-party bodily injury, property damage, and cleanup costs resulting from sudden or gradual pollution incidents. Unlike general liability policies that often exclude pollution, this coverage is essential for contractors, manufacturers, and property owners managing environmental risks.  

Key elements and types of coverage include:

• Site-Specific Pollution Liability (PLL): Covers pollution at, on, or migrating from a specific owned or operated location.
• Contractors Pollution Liability (CPL): Protects contractors from pollution incidents caused by their work, both on and off the job site.
• Coverage Scope: Includes cleanup costs, legal defense fees, bodily injury, property damage, and sometimes business interruption.
• Specific Exposures: Policies can cover risks like mold, asbestos, underground storage tanks, and transportation of hazardous materials. 

Common Industries Needing Coverage:

• Manufacturing and industrial facilities.
• Environmental consultants and contractors.
• Real estate developers and building managers.
• Transportation and logistics companies

Depending on the project, scope of work, materials being handled and/or transported are some of the reasons it can be required to have pollution liability insurance, as a contractor. Getting the right insurance coverage, including a contractors pollution liability policy, and proof of insurance from subcontractors, helps protect GCs from liability for bodily injury, property damage or cleanup costs for pollution caused by a subcontractor while performing construction operations. 

Pollution Liability Insurance Policies typically do not cover intentional pollution acts, pre-existing known contamination, employee bodily injury claims, or most statutory regulatory fines. 

Pollution liability insurance covers claims related to the release or presence of pollutants, including mold spores. This coverage is particularly important for mold remediation contractors who handle hazardous materials and must comply with environmental regulations. 

Environmental insurance programs can cover your business in the event of a pollution accident that causes bodily injury, property damage, or clean-up costs for third parties. 

How Contractors Get Certificates of Insurance Fast:

• Call 844-97-USAVE Today so we can help!