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Coverage Highlights


  • Broad definition of pollution conditions, including the presence of fungi and legionella
  • Property Damage definition includes Natural Resource Damages
  • Built in coverage for Transportation and Emergency Response Costs
  • Option to tailor coverage, including pollution-related blanket non-owned disposal site coverage and project excess requirements
  • Environmental Incident Alerts - our complimentary program developed to assist clients find and dispatch qualifieincident response contractors, monitor cleanup costs and mitigate potential liabilities associated with environmental releases


Programs can be tailored for small to major accounts:

  • Policy Types available including: Practice, Project and Follow-Form Excess
  • Coverage for domestic and Canada based multinational services abroad
  • Coverage for work performed by or on behalf of Named Insured
  • No base policy exclusions for construction defects or water intrusion
  • Claims-Made and Reported or Occurrence Triggers available
  • Built-in Completed Operations coverage on occurrence form
  • Practice Policy Specific (Practice Policy up to two years/Project-specific construction policy period plus completed operations: terms available up to 17 years)
  • Sudden and accidental and gradual pollution events
  • Transportation coverage included
  • Silt, soil and sedimentation built into the definition of Pollution Condition
  • Built-in coverage for Emergency Response Costs
  • Emergency Response timeline 7 days
  • Mould coverage
  • Legionella coverage
  • Occurrence based Non-owned Disposal Site coverage
  • Owned or leased locations coverage
  • Catastrophe Management coverage
  • Defence outside the limits available
  • Owned site coverage for contractor’s owned/leased locations available
  • Loss includes civil fines, penalties and punitive damages
  • No jurisdiction and venue or choice of law provisions
  • Pollution definition includes illicit abandonment
  • Available for Catastrophe Management
  • Project Policies can be written as OCIPS, CCIPS, or specifically for healthcare risks

Minimums and Limits

  • Minimum self-insured retention: $5,000
  • Minimum premium from $1,500 to $5,000
  • Capacity available up to $50M per/aggregate limit, inclusive of legal defense costs

Target Client

Most commercial contractors, subject to underwriting guidelines, including:

  • Carpentry or Framing
  • Civil
  • Concrete
  • Construction Management
  • Drywall
  • Electrical Environmental
  • Excavation/Site Development
  • General Contracting
  • Heavy Highway/Bridge
  • Insulation
  • Landscaping
  • Masonry
  • Mechanical/HVAC
  • Painting
  • Plumbing
  • Roofing
  • Street/Road