Contracting Services Project Specific

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 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:

Single contractor project specific, owner-controlled wrap-up, and contractor-controlled wrap-up capabilities
Contracting services coverage provided on an occurrence basis
Completed operations period coverage available
Occurrence non-owned disposal sites coverage on an unscheduled and blanket basis
Occurrence in-bound and out-bound transportation coverage
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
Public Relations Expense is provided in addition to the limits of liability
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 a 10-year policy term and up to 12-year completed operations period; combination of policy term and completed operations period not to exceed 17 years
• $5,000 minimum premium
• Covers Projects in the U.S. and Canada

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 Supplemental Application for Project Specific Contracting Services Environmental Liability Insurance
• Project scope of work, construction values and contact specifications
• Most recent five (5) years loss history
• Copy of the full contract for the project

AM Best affirmed December 15, 2023.