Contractor Professional & Pollution Liability

Sirius Environmental’s Contractor’s Professional and Pollution Legal Liability Plus (CPPL) protects against environmental liabilities that are not typically covered by a general liability policy.  The CPPL 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 or completed operations.  The CPPL policy also includes coverage for professional liability resulting from actual or alleged acts, errors, or omissions from professional services, including professional redress and protective coverage. 


Types of Contractors:

  • Construction managers
  • Design-build contractors
  • General contractors
  • Environmental contractors
  • Trade contactors, including but not limited to:
      • HVAC/Mechanical contractors
      • Electrical contractors
      • Utility contractors
      • Street and road contractors
      • Masonry contractors
      • Painting contractors


Product Highlights:

  • Professional services on a claims-made basis
  • Professional redress expense incurred to avoid or mitigate claims from a professional loss
  • Protective loss coverage resulting from actual or alleged negligent acts, errors, or omissions from subcontracted design services 
  • 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 (both first and third party) coverage are generally covered 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 one (1) year
  • Minimum premium of $10,000


Submission Requirements:

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

*The above Contractor’s Professional and Pollution Legal Liability 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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