Contractor Pollution Legal Liability

Sirius Environmental’s Contractor’s Pollution Legal Liability Plus (CPL) protects against environmental liabilities that are not typically covered by a general liability policy. The CPL policy provides coverage for clean-up costs, bodily injury, property damage (including natural resource damage), and legal costs caused by a pollution condition at a job site, or an indoor contaminant condition at a job site, resulting from contracting services and/or completed operations.  The CPL policy also provides coverage for owned locations, business interruption, non-owned disposal sites, and transportation of an insured’s wastes or products. 


Target Classes:

  • General contractors
  • Environmental contractors
  • Trade contractors, including but not limited to:
      • HVAC/Mechanical contractors
      • Electrical contractors
      • Utility contractors
      • Street and road contractors
      • Masonry contractors
      • Painting contractors


Product Highlights:

  • Contracting services generally covered on an occurrence basis
  • Includes coverage for mold matter, legionella pneumophila, silt, and sediment
  • Business interruption loss at a covered location or job site
  • Job site includes rented or leased property used in support of contracting services
  • Coverage for emergency expenses, including emergency remediation, evacuation, and disaster management costs
  • Non-owned disposal site and transportation (first and third party) coverage are generally provided on an occurrence and blanket basis
  • Owned locations coverage for sudden and accidental pollution events  
  • Additional legal costs provided outside the limit 
  • Civil fines, penalties, and assessments (where insurable by law)


Product Features:

  • Limits of liability up to $25MM occurrence / $25MM aggregate
  • Policy terms up to three (3) years
  • Project policies up to seventeen (17) years in total coverage (five (5) year term, plus completed operations per state-specific statutes (up to twelve (12) years)
  • Minimum premium of $5,000 for an annual policy


Submission Requirements:

  • Application
  • Pollution, general liability, and professional loss runs
  • Financial statements


*The above Contractor’s Pollution Legal Liability Plus product description is for informational purposes only.  Coverages described above may differ from your policy, please read your policy carefully and discuss any questions/concerns with your insurance broker.


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