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Coverage Highlights


  • Chubb financial stability (rated AA by Standard & Poor’s and A++ by A.M. Best)

  • Option to tailor coverage for complex risks, including pollution-related blanket non-owned disposal site coverage, project excess requirements and multinationals

  • Environmental Incident Alert  – our complimentary program developed to assist clients find and dispatch qualified incident response contractors, monitor cleanup costs and mitigate potential liabilities associated with environmental releases.


  • Experienced underwriting specialists across the U.S. and specialized claims expertise

  • Broad range of risk control services available through national and international network of best-in-class engineering consultants, including environmental risk control experts from ESIS, Inc.®

  • Thought Leadership that addresses the complexities of domestic and global environmental regulations and compliance

  • Valued long term relationships

Programs can be tailored for small to major accounts:

  • Policy Types available including: Practice, Project and Follow-Form Excess

  • Coverage for domestic and U.S.-based multinational companies performing work abroad

  • Admitted local policies outside of the U.S. can be placed in various jurisdictions as part of a master U.S. program

  • Potential environmental losses 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 coverage triggers are available

  • Built-in Completed Operations coverage on occurrence form

  • Practice/Project-Specific Placements (Practice policy terms: up to two years/Project-specific policy terms (including completed ops): up to 17 years)

  • Sudden and accidental and non-sudden/gradual pollution events

  • Transportation coverage
  • Silt, Soil and Sedimentation built into the definition of Pollution Condition

  • Built-in first-party coverage for Emergency Response Costs

  • Emergency Response window of 7 days

  • Presence-based fungi and Legionella pneumophila item built into the definition of Pollution Condition Occurrence-based Non-owned Disposal Site coverage

  • Owned or leased locations premises pollution coverage may be available by endorsement

  • Catastrophe Management coverage

  • Supplemental defense limits or defense outside the limits may be available by endorsement

  • Loss includes civil fines, penalties and punitive damages

  • No jurisdiction and venue or choice of law provisions

  • Illicit abandonment built into definition of Pollution Condition

  • Project-specific policies can be written as OCIPS, CCIPS, or specifically for healthcare risks
Minimums & 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; sublimits may apply to certain coverages and classes of business
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


Get Protection for Your Overlooked Pollution Risks

Download our whitepaper for more information about Chubb’s Contractor Pollution Liability (CPL) Coverage.