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.

Contractors Hard Hat Hub

This policy is suitable for many contractors, including:

  • General Contractors
  • Construction Managers
  • Specialty Trades, including but not limited to:
      • Drywall
      • Painting / Coating
      • Electrical
      • Heating, Ventilation and Air Conditioning (HVAC)
      • Plumbing
      • Mechanical
      • Glazier / Curtain wall
      • Masonry / Concrete
      • Street and Road
      • Heavy Highway
      • Roofing
      • Utility
      • Excavation / Grading
      • Steel Erection
      • Pile Driving
      • Demolition
      • Alternative Energy

Policy Benefits:

  • 100% additional legal expense up to $5 million limits
  • Contracting services, including mold, coverage provided on an occurrence basis
  • Emergency Response Costs coverage with no sublimits
  • Includes completed operations coverage
  • Broad definition of Insured includes the client of the insured when required by written contract
  • Occurrence non-owned disposal sites coverage on an unscheduled basis
  • Occurrence in-bound and out-bound first- and third-party transportation coverage
  • On- and off-site sudden and accidental Pollution Legal Liability for a pollution condition at a covered location
  • Mediation credit
  • Punitive, multiplied, or exemplary damages, and civil fines, penalties and assessments, where insurable by law
  • Includes Waiver of Subrogation when required by contract
  • Public Relations Expense is provided in addition to Limits of Liability
  • No separate insured project exclusion
  • Replacement Costs include Green Building Materials
  • No fault workmanship exclusion

Policy Features:

  • Limits of Liability up to $50 million each pollution condition/$100 million aggregate
  • Multi-year terms available
  • Available on admitted and non-admitted paper

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:

  • Application for Contracting Services Environmental Liability Insurance
  • Most recent five (5) years loss history

Learn More

  Product Summary Guide
  Overview of Products
  Contracting Specific Claim Scenarios
  Contracting Services Fact Sheet

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