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Contractors Pollution Liability (CPL)

The Contractors Pollution Liability (CPL) Policy offers solutions specifically developed for contractors, which prevent gaps in coverage due to pollution-related exclusions on standard commercial general liability programs. These policies are available for contractors on a practice, project or excess basis.

Benefits:

  • Broad definition of pollution conditions, including fungi for clients facing mold liability
  • Property Damage definition includes Natural Resource Damages
  • Mold Awareness Training provided to clients at ACE expense with fungi coverage
  • Built in coverage for Transportation and Emergency Response Costs
  • Option to tailor coverage, including pollution-related blanket non-owned disposal site coverage and project excess requirements

Coverage:

  • Potential environmental losses for work performed by or on behalf of Named Insured
  • Sudden and accidental pollution events
  • Mold coverage available on claims made or occurrence triggers
  • No exclusions for construction defects or water intrusion
  • Long Term Tail Coverage/Completed operations available on project placements
  • Claims Made or Occurrence Triggers available
  • Built in Completed Operations coverage on the occurrence form
  • Coverage for owned or leased locations available
  • Available for Catastrophe Management

Minimums & Limits

  • Minimum self-insured retention: $5,000
  • Minimum premium: $5,000 to $10,000
  • Capacity available up to $50 million per/aggregate limit, inclusive of legal defense costs

 

Target Client

Most commercial contractors, subject to underwriting guidelines, including:

  • Carpentry or Framing
  • Civil
  • Concrete
  • Construction Management
  • Drywall
  • Electrical Environmental
  • Excavation/Site Development
  • General Contracting
  • Heavy Highway/Bridge
  • Insulation
  • Landscaping
  • Masonry
  • Mechanical/HVAC
  • Painting
  • Plumbing
  • Roofing
  • Street/Road

Forms / Applications

Document Name Size Date
CPL Claims Made Policy Specimen.pdf 0 KB 09/22/2014
CPL Claims Made Policy Application.doc 0 KB 09/22/2014
CPL Occurrence Policy Specimen.pdf 0 KB 09/22/2014
CPL Occurrence Policy Application.doc 0 KB 09/22/2014