Contracting Services

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 sub-limits
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

Do you have small contracting clients? Check out Contractors ProProtect, our newest program offering pollution and professional liability coverage for specialty contractors with revenues up to $25,000,000.

Learn More

Product Summary Guide

Overview of Products

Contracting Services Fact Sheet

Contracting Specific Claim Scenarios

Contracting Services Form Comparison