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

Learn More

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

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