Contractors Pollution Liability Insurance from Environmental Underwriting Solutions
Environmental Underwriting Solutions offers a focused Contractors Pollution Liability (CPL) program that helps agents place pollution liability for contractors working on construction, remediation, and maintenance projects. Available on both claims-made and occurrence forms, this program provides third-party coverage for bodily injury and property damage, defense costs, and pollution cleanup — for sudden accidents as well as gradual releases, including mold and fungi exposures.
Ideal Accounts and Target Classes
This CPL program fits a broad range of contractor accounts, from environmental specialists to general and specialty trades. Typical classes include:
- Asbestos and lead abatement contractors
- Remediation and emergency response firms
- Storage tank installation, removal, and fuel-handling contractors
- Painting, plumbing, electrical, HVAC, and insulation contractors
- General construction, carpentry, roofing, and artisan trades
- Grading, excavation, drilling, dredging, and pipeline work
- Mold remediation, industrial cleaning, and septic services
Example placements you might bring to this program: a small residential remodeling contractor whose work includes mold remediation and HVAC modifications, or a mid-size oilfield contractor performing tank removals and site restoration that needs pollution liability with transportation and completed operations limits.
Coverage Highlights and Advantages
This CPL offering emphasizes broad, flexible protection designed for contractor exposures:
- Broad definition of pollution conditions that explicitly includes mold and fungi
- Third-party property damage and bodily injury, plus legal defense and cleanup costs
- Coverage for natural resource damages under Property Damage where applicable
- Transportation Pollution Liability option for exposures in transit
- Emergency response costs included
- Blanket coverage for non-owned disposal sites
- Project-specific excess and long-term tail/completed operations options for project placements
- No automatic exclusions for construction defects or water intrusion (subject to underwriting)
- Available for both owned and leased locations; occurrence forms include built-in completed operations
Underwriting Notes and Minimum Premium
Environmental Underwriting Solutions partners with multiple carriers to match risk characteristics to appropriate markets. Appetite is broad, but underwriting varies by carrier — typical factors include the contractor’s trade, past loss history, project types, waste handling practices, and subcontractor controls. The program can be placed on either claims-made or occurrence forms depending on the carrier and client needs.
Minimum premium for the CPL program starts at $500, which makes the program accessible for small contractors while scaling for larger, more complex accounts.
Territories and Program Availability
This program is available in most states, including CA, TX, FL, NY, IL, WA, PA, and GA. Environmental Underwriting Solutions offers admitted options in many jurisdictions and can place non-admitted business where appropriate to meet client needs.
Why Work With Environmental Underwriting Solutions?
As a wholesale broker with deep environmental expertise, Environmental Underwriting Solutions gives agents access to competitive markets and practical underwriting guidance for pollution risks. You’ll get responsive service, flexible program structures (project-specific or packaged), and help identifying carriers that fit each contractor’s operations.
Contact us for more information on our Contractors Pollution Liability program!