Professional and 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 Acts, Errors and Omissions arising from Professional Services. It can also provide coverage for liability associated with Owned Locations, Non-Owned Disposal Sites, and Transportation of the insured’s products or wastes.

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

Policy Benefits:

  • Professional Services coverage
  • Mitigation Costs coverage
  • Professional protective indemnity coverage
  • 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
  • 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 act, omission or pollution condition/$100 million aggregate
  • One-year policy term for practice policies
  • $12,500 minimum premium
  • Covers Professional and Contracting Services in the U.S. and Canada, including incidental foreign exposures
  • Separate limits can apply to each coverage part

Our Strengths:

  • Exceptional service
  • Expert Underwriting staff
  • Collaborative and solutions oriented
  • In-house claims team of licensed attorneys specializing in contractor’s professional liability and 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 Professional and 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.