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Contractors Pollution Liability Coverage Highlights

CPL Insurance Benefits

  • 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

CPL Insurance Coverage

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

CPL Insurance Minimums & Limits

  • Minimum self-insured retention: $5,000
  • Minimum premium from $1,500 to $5,000
  • Capacity available up to $25M per/aggregate limit, inclusive of legal defense costs; sub limits may apply to certain coverages and classes of business

CPL Insurance Target Clients

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

Success Stories

Get Protection for Your Overlooked Pollution Risks

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