Contracting Services Environmental Liability Insurance Policy
Covers bodily injury, property damage, legal expenses and clean-up costs resulting from pollution conditions associated with Contracting Services. This policy also provides coverage for liability associated with Non-Owned Disposal Sites, Transportation of the insured’s products or wastes and Owned Locations.
This policy is suitable for many contractors, including:
- General Contractors
- Construction Managers
- Specialty Trade:
- Drywall
- Painting / Coating
- Electrical
- Heating, Ventilation and Air Conditioning (HVAC)
- Plumbing
- Mechanical
- Glazier / Curtain wall
- Industrial Cleaning / Janitorial
- Masonry / Concrete
- Street and Road
- Heavy Highway
- Roofing
- Utility
- Excavation / Grading
- Steel Erection
- Drilling
- Pile Driving
- Demolition
- Alternative Energy
- Environmental
Policy Benefits:
- Contracting services coverage provided on an occurrence basis
- Completed operations coverage for jobs that are completed
- Occurrence non-owned disposal sites coverage on an unscheduled and blanket basis
- Occurrence in-bound and out-bound transportation coverage
- Sudden and accidental Pollution Legal Liability for owned location(s)
- Legal Expense is provided in addition to the Limit of Liability for all Insuring Agreements
- First party discovery trigger for a pollution condition at a Job Site
- Emergency Response Costs coverage
- Mold Matter coverage available on an occurrence basis
- Broad definition of Insured
- Definition of Bodily Injury includes building related illness and medical and environmental monitoring
- Definition of Insured includes the client of the insured when required by written contract
- Punitive, multiplied, or exemplary damages, and civil fines, penalties and assessments, where insurable by law
- Mediation credit
- Replacement Costs include Green Building Materials
- Ninety (90) day Automatic and three (3) year Optional Extended Reporting Period available
- Cumis Counsel where entitled by law
Policy Features:
- Limits of Liability up to $50 million each pollution condition/$100 million aggregate
- Up to three (3) year policy term
- $5,000 minimum premium
- Covers Contracting Services in the U.S. and Canada, including incidental foreign exposures
Our Strengths:
- Exceptional service
- Expert Underwriting staff
- Collaborative and solutions oriented
- In-house claims team of licensed attorneys specializing in contractor’s pollution liability claims handling
- In-house Risk Engineering offering valued added services to our Insureds
- 24/7 Emergency Response support program for all Insureds
- AM Best Rating of A or better for over 110 years*
Submission Requirements:
- GAIG General Application For Environmental Insurance
- GAIG Supplemental Application for Contracting Services Environmental Liability Insurance
- Most recent five (5) years loss history
- Last two (2) years financial statements and/or 10-K report
*AM Best affirmed December 15, 2023