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Contractor Pollution Liability Healthcare Owner-Controlled Insurance Policy

As an owner of a healthcare facility, you need to address specific environmental exposures associated with new construction or renovation projects. Chubb’s CPL Healthcare OCIP policy can help protect your project against unforeseen pollution conditions.

Healthcare organizations address their own particular aspects of environmental risk when they undertake new construction or renovation work. Chubb’s CPL OCIP policy can cover your project, including potential pollution gaps in protection from a standard general liability program.

Coverage Highlights


Specifically designed coverage for healthcare exposures

  • CPL insurance to help fill pollution coverage gaps contained in a standard general liability program
  • Coverage for costs associated with securing the scene following a catastrophe management event, along with costs for retaining a qualified public relations or crisis communications firm
  • Experienced underwriting specialists across the U.S.
  • Broad range of services available through national network of best-in-class engineering consultants, including environmental risk control experts from ESIS, Inc.®
  • Financial Strength: We consistently have among the highest ratings for financial strength from the industry's principal rating agencies


  • Occurrence based trigger for CPL coverage part
  • Multiple insuring agreements including:
  • Catastrophic Management Costs
  • Decontamination Costs
  • Emergency Response Costs
  • Built in coverage for mold and bacteria with Certified Industrial Hygienist language
  • Blanket Non-Owned Disposal Sites coverage
  • No state-specific jurisdiction and venue/choice of law provision
  • Coverage extension for all contractors of all tiers involved on the covered project
  • Coverage for identified supplementary payments


  • Limits range from $1M up to $25M Aggregate
  • Total policy term of up to 17 years available, including both project policy period and completed operations

Target Client

Facilities include

  • Hospitals
  • Outpatient centers
  • Clinics
  • Laboratories
  • Assisted living operations