Contractors Pollution Liability

Contractors face many pollution risks stemming from operations at their job sites. These include contaminated soil disposal and the accidental release of fuel oil, chemicals and toxic gases from broken pipelines, utilities, and stationary and mobile fuel tanks. Contractors Pollution Liability insurance helps protect a wide range of pollution risks associated with construction projects.

Contractors Pollution Liability insurance is issued on a non-admitted basis and provides:

Insurance for third-party claims for bodily injury and/or property damage
Insurance for remediation costs stemming from pollution incidents resulting from the contractor’s covered operations.

Companies that purchase Contractors Pollution Liability insurance include:

General contractors – commercial, residential, municipal, highway/road, infrastructure, maintenance, mechanical, demolition, industrial, excavation, grading
Trade contractors – HVAC, paving, carpentry, concrete
Specialty contractors – foundation, pipeline and tank installation, drillers
Remediation contractors

Contractors Pollution Liability insurance from Chubb helps protect these companies from the liability and financial loss that can result when a covered operation results in a pollution incident. In addition, Chubb’s Owner-controlled Insurance Program allows companies to create a custom environmental insurance program that insures an entire project against pollution risks, including all project contractors, off-site transportation and exposures at non-owned locations.

Product Highlights

Contractors Pollution Liability insurance is designed to address environmental liabilities associated with the job-site operations of contractors. Highlights include:

Primary insurance
Multi-year policy terms
Insurance for all named insured operations or per project
Insurance for completed operations
Occurrence or claims-made contracts
Remediation costs include restoration costs

Owner-controlled Insurance Programs for entire projects include:

Completed operations coverage
Owner or prime contractor/subcontractors included as additional named insureds
One or multi-year project terms

When does a company need Contractors Pollution Liability insurance? Consider the following scenario:
A paving contractor sprays an oil-based binding layer on crushed aggregate, planning to complete the asphalt roadway the following day. A heavy overnight rain causes the binding layer to run off into the groundwater supply, contaminating residential wells. Contractors Pollution Liability insurance from Chubb responds to all property damage claims and cleanup costs.

Service and Strength

Chubb maintains a global network of loss control professionals who have the technical skills and industry-specific knowledge to offer practical and cost-effective suggestions for loss control and disaster planning. Our environmental specialists have completed course work in environmental sciences, environmental law, site assessments, hazardous waste and/or ISO 14000 training. Our loss control suggestions can help customers reduce the probability of loss and improve the odds that, if a loss does occur, its severity is minimized.

Chubb has built an unparalleled reputation for treating customers fairly and providing responsive customer service. If you have a claim, you can be confident of receiving superior service 24/7.

Our financial strength continues to earn high ratings from A.M. Best, Standard & Poor's and Moody's, leading evaluators of insurance companies. This financial strength, combined with our underwriting expertise and claim service, means you can count on Chubb to be there when you need us most.

Additional Information

Learn more about:

Chubb's products - Please contact your insurance agent or broker; use our Find an Agent tool to locate an agent or broker near you.
Claims - Please go to Chubb's Claims Services.
Chubb's press releases, awards, advertising and more - Please go to About Chubb.