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.

This policy is suitable for many contractors, including:

  • Construction Managers and General 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
  • Professional Services coverage provided on a claims-made basis
  • Completed operations coverage for jobs that are completed
  • Owned site coverage for sudden and 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 allowable 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
  • Circumstance reporting for professional coverage
 

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

Submission Requirements

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