Environmental

Environmental Programs : Commercial liability against environmental claims.

In 1984, the Insurance Services Office (ISO) revised the Commercial General Liability policy to exclude the escape, release or threatened release of pollutants because of the fear of too many severe environmental claims. Those businesses that do not transfer that risk to a specialized environmental insurance policy are now self-insuring this real exposure.

  • Minimum premiums : $2,500
  • Limits available : Up to $7 million per occurrence, up to $20 million aggregate
  • Minimum deductible : $2,500 ($5,000 standard)

Contractor’s Pollution Liability

Contractors Pollution Liability insurance is an answer to environmental liabilities left uncovered by standard General Liability insurance. Available on either a claims-made or an occurrence basis, CPL is an environmental insurance policy that helps protect contractors against pollution conditions caused by covered operations, including work performed by subcontractors.

Key Classes of Business We Can Assist You With :

Environmental Contractors Eligible for CGL and CPL Coverage

Non-Environmental Contractors Eligible for CPL Only :

  • Carpentry
  • Plumbing
  • Electrical
  • HVAC/Mechanical
  • Concrete/Masonry
  • Insulation, Excavation/Grading
  • Industrial Cleaning
  • Painting
  • Roofing