Covers bodily injury, property damage, legal expenses and clean-up costs resulting from pollution conditions associated with Contracting Services for a specific project. This policy also provides coverage for liability associated with Non-Owned Disposal Sites and Transportation of the insured’s product or waste.

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

  • Can be structured as a single company project specific, owner-controlled wrap-up or a contractor-controlled wrap-up insurance program
  • Contracting Services coverage provided on an occurrence basis
  • Coverage for non-owned disposal sites on an unscheduled basis
  • Occurrence in-bound and out-bound transportation coverage to or from a project location
  • 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
  • Primary insurance for the insured’s client when required by written contract
  • Compensatory, punitive, multiplied or exemplary damages and civil fines, penalties and assessments
  • Definition of Pollutants includes mold, Legionella, and EMFs
  • Mold Matter coverage available on an occurrence basis
  • Definition of Property Damage includes Natural Resource Damages
  • Ninety (90) day Automatic Extended Reporting Period for claims-made coverage grants
  • Completed operations coverage available
  • Cumis Counsel where entitled by law
  • Blanket waiver of subrogation when required by written contract
 

Policy Features

  • Limits of Liability up to $50 million each pollution condition/$100 million aggregate
  • Up to a 10-year policy term; 12-year completed operations period
  • Combination of policy term and completed operations not to exceed 17 years
  • $5,000 minimum premium
  • Covers Projects in the U.S. and Canada
  • Separate limits can apply to each coverage part

Submission Requirements

  • GAIG Supplemental Application for Project Specific Contracting Services Environmental Liability Insurance
  • Past three (3) years loss history
  • Copy of the full contract for the project