Construction Professionals and Environmental Insurance
CONTRACTOR'S POLLUTION
LEGAL LIABILITY PLUS (CPL)
Contractor's Pollution Legal Liability Plus (CPL) protects against environmental liabilities that are not typically covered by a general liability policy. The policy provides coverage for clean-up costs, bodily injury, property damage (including natural resource damage), business interruption, and legal costs caused by a pollution condition or indoor contaminant condition resulting from contracting services or completed operations.
PRODUCT HIGHLIGHTS
occurrence pollution coverage for third party claims
First party trigger for pollution discovered by the Insured
Coverage for clean-up costs incurred on an emergency basis
Coverage for mold and legionella
Indemnity coverage for pollution protective loss arising from a pollution condition or indoor contaminant condition resulting from subcontracted contracting services
Business interruption coverage at owned locations and contingent business interruption coverage at job sites
Facility coverage for owned locations and equipment yards Occurrence non-owned disposal site and transportation coverages
Coverage for Bankruptcy Litigation Expense, Disaster Management Costs, Subpoena Expense, and Litigation Expense
Credit towards SIR for use of approved mediation
Additional legal costs provided outside the limit
Target classes include (but not limited to) general contractors, environmental contractors, street and road contractors, plumbers, electrical contractors, and other trade contractors
Coverage provided by SiriusPoint
CAPACITY
imits of liability up to $25M/$25M
Policy terms up to three (3) years
Project policies up to seventeen (17) years in total coverage (five year term plus completed operations per state-specific statutes up to twelve years)
Minimum premium of $5,000 for an annual policy
Contractor’s Pollution & Professional Legal Liability Plus (CPPL)
Contractor’s Pollution & Professional Legal Liability Plus (CPPL) protects against environmental liabilities that are not typically covered by a general liability policy. The policy provides coverage for professional liability resulting from actual or alleged acts, errors, or omissions from professional services and legal costs. Additionally, the policy provides coverage for clean-up costs, bodily injury, property damage (including natural resource damage), business interruption and legal costs caused by a pollution condition or indoor contaminant condition resulting from contracting services or completed operations.
PRODUCT HIGHLIGHTS
Professional rectification coverage
Occurrence pollution coverage for third party claims
First party trigger for pollution discovered by the Insured
Coverage for clean-up costs incurred on an emergency basis
Coverage for mold and legionella
Business interruption coverage at owned locations and contingent business interruption coverage at job sites
Facility coverage for owned locations and equipment yards
Occurrence non-owned disposal site and transportation coverages
Coverage for Bankruptcy Litigation Expense, Disaster Management Costs, Subpoena Expense, and Litigation Expense
Credit towards SIR for use of approved mediation
Additional legal costs provided outside the limit
Target classes include (but not limited to) construction managers, design-build contractors, general contractors, environmental contractors, street and road contractors, plumbers, electrical contractors, and other trade contractors
Coverage provided by SiriusPoint
CAPACITY
Limits of liability up to $25M/$25M
Policy terms up to one (1) year
Minimum premium of $10,000
Contractors Professional Legal Liability Plus Policy (Project)
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PRODUCT HIGHLIGHTS
Broad Contractor’s Professional Coverage
Contractor’s Professional Rectification Coverage
Contractor’s Professional Protective Coverage Pollution Coverage including job site pollution, emergency expenses, pollution protective, NODS, and Transportation can be included in the same policy form.
No requirement that we write an Insured’s practice policy to consider their project specific opportunities.
Credit towards the SIR for claim resolution via the use of approved mediation
Supplemental Coverages include ADA/FHA expense, bankruptcy litigation expense, BIM expense, disaster management costs, and subpoena expense
Target classes include (but are not limited to) construction managers, design-build contractors, general contractors, environmental contractors, civil contractors, street and road contractors, plumbers, electrical contractors, and other trade contractors
Target project types include (but are not limited to): commercial projects, for-rent apartment projects, industrial & manufacturing projects, civil, street, and road projects, hospitality projects, mass transit projects, and warehouse projects
Excluded classes include: solar farms, mines, pipelines, and petrochemical projects, townhomes & custom home projects
Policy types: primary project placements and follow-form excess
CAPACITY
Limits of liability up to $25M/$25M
Policy terms for the duration of the project and the statute of repose up to 17 years in total