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 product or waste, and Owned Locations.

This policy is suitable for many contractors, including:

  • Alternative Energy Contractors
  • Construction Managers and General Contractors
  • Demolition Contractors
  • Design/Build Contractors
  • Drilling Contractors
  • Drywall Contractors
  • Electrical Contractors
  • Environmental Consultants and Contractors
  • Environmental Labs
  • Fixed Base Operators
  • HVAC Contractors
  • Industrial Cleaners
  • Masonry/Concrete Contractors
  • Mechanical Contractors
  • Painting Contractors
  • Pile Driving
  • Plumbing Contractors
  • Street and Road Contractors
  • Roofers
  • Steel Erection Contractors
  • Turnkey Environmental Project Management
  • Utility Contractors
 

Policy Benefits

  • Coverage for both new and historical conditions
  • Contracting Services coverage provided on an occurrence basis
  • Owned site coverage for sudden & accidental pollution events which migrate from the location
  • Coverage for non-owned disposal sites on an unscheduled basis
  • In-bound and out-bound transportation coverage to or from a Job Site
  • Legal Expense is provided within the Limit of Liability
  • 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
  • Compensatory, punitive, multiplied or exemplary damages and civil fines, penalties and assessments, where insurable by law
  • Definition of Pollutants includes mold, Legionella, and EMFs
  • Mold Matter coverage available on an occurrence basis
  • Definition of Pollution Condition includes illicit abandonment of Pollutants at a Covered Location
  • Definition of Property Damage includes Natural Resource Damages
  • Ninety (90) day Automatic and three (3) years Optional Extended Reporting Period for claims-made coverage grants
  • Cumis Counsel where entitled by law
 

Policy Features

  • Limits of Liability up to $50 million occurrence/$100 million aggregate
  • Up to three (3) year policy term
  • $5,000 minimum premium for single year policy
  • Covers Contracting Services in the U.S. and Canada, including incidental foreign exposures
  • Separate limits can apply to each coverage part

Submission Requirements

  • GAIG General Application For Environmental Insurance
  • GAIG Supplemental Application for Contracting Services Environmental Liability Insurance
  • Past three (3) years loss history
  • Last two (2) years financial statements and/or 10-K report