Capitol Special Risks offers a flexible Monoline Contractors Pollution Liability (CPL) program designed to meet the needs of both environmental and non-environmental contractors. Whether your client is a general contractor, HVAC installer, landscaping company, or an environmental remediation firm, this market provides tailored pollution liability solutions that help protect against a wide range of environmental exposures.
Ideal Accounts and Appetite
This program is a good fit for a broad spectrum of contractor classes, including:
- General and specialty trade contractors
- Environmental service providers
- Excavation and grading contractors
- Mechanical, HVAC, and plumbing contractors
- Utility contractors
- Paving and concrete companies
If you have clients handling site work, underground installations, or chemical/fuel transport, this pollution liability coverage can help mitigate the financial risks from unexpected environmental incidents.
Coverage Highlights and Advantages
• Available on Occurrence or Claims-Made basis
• Nose coverage and prior acts available
• Options for annual policies or per-project coverage
• Transportation Pollution Liability can be added for contractor-owned vehicles
• Site Pollution coverage available for contractor premises or yard locations
• Mold coverage available on a Claims-Made basis only
This program gives you the flexibility to structure coverage around your client’s operations and risk profile, with the ability to address both on-site and off-site exposures.
Underwriting Notes and Minimum Premiums
• Minimum premiums start at $2,000 for Occurrence Form coverage
• Some classes or locations may require higher minimum premiums
• Quick indications available upon receipt of completed applications (even from other markets)
• Binding often possible using other carriers’ applications, provided a current warranty is included
This streamlined approach allows you to move quickly on time-sensitive risks without unnecessary paperwork.
Territories and Availability
This program is available in all 50 states, including CA, TX, NY, and FL. Capitol Special Risks writes on a non-admitted basis through multiple carriers, giving you access to flexible options even in tough regulatory environments or for higher-risk classes.
Why Work With Capitol Special Risks?
As a wholesale broker with deep experience in environmental and specialty liability, Capitol Special Risks brings fast turnaround and flexible underwriting to your pollution liability placements. There are no broker fees, and the team is responsive to both standard and hard-to-place risks. Whether you're working with a seasoned environmental contractor or a general contractor with incidental exposures, Capitol can help you find the right solution.
Call today for more information on Monoline Contractors Pollution Liability—fast turnaround and no broker fees!
In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program works well for general contractors, HVAC/plumbing companies, excavation contractors, and environmental service providers with pollution exposures.
Can I get a quote using another carrier’s application?
Yes. Capitol Special Risks often provides indications and can bind coverage using completed applications from other companies along with a current warranty.
Is mold coverage included?
Mold coverage is available, but only on a Claims-Made basis. It can be added depending on the risk profile and underwriting review.
Is this program available in all states?
Yes, the Contractors Pollution Liability program is available in all 50 states on a non-admitted basis.
What is the starting premium for this program?
Minimum premiums start at $2,000 for Occurrence Form coverage, but higher premiums may apply depending on the contractor class and location.
Need help placing an account? Connect with a market specialist.