Great American Insurance Group
Contractors Pollution Liability

The Contracting Services Environmental Liability Insurance Policy covers bodily injury, property damage, legal expense and clean-up costs resulting from pollution conditions associated with Contracting Services. This policy also provides coverage for liability associated with Non-Owned Disposal Sites, Transportation of the Insured’s product or waste and Owned Locations. This policy is suitable for many contractors, including General Contractors, Construction Managers and Specialty Trade. 

Maximum coverage

• USD
  $50M per pollution condition/$100M aggregate; Covers Contracting Services in the U.S. and Canada, including incidental foreign exposures

Minimum coverage

• USD
  5,000
  (Up to three-year policy term)

This policy is suitable for:

• General Contractors
• Construction Managers
• Specialty Trade Contractors

• • Drywall 

• • Painting / Coating 

• • Electrical 

• • Heating, Ventilation and Air Conditioning (HVAC) 

• • Plumbing 

• • Mechanical 

• • Glazer / Curtain-wall 

• • Industrial Cleaning / Janitorial 

• • Masonry / Concrete 

• • Street and Road 

• • Heavy Highway 

• • Roofing 

• • Utility 

• • Excavation / Grading 

• • Steel Erection 

• • Drilling 

• • Pile Driving 

• • Demolition 

• • Alternative Energy 

• • Environmental 

Contracting Specific Claim Scenarios
 

Policy Benefits:

• • Contracting services coverage provided on an occurrence basis 

• • Completed operations coverage for jobs that are completed 

• • Occurrence non-owned disposal sites coverage on an unscheduled and blanket basis 

• • Occurrence in-bound and out-bound transportation coverage 

• • Sudden and accidental Pollution Legal Liability for owned location(s) 

• • Legal Expense is provided in addition to the Limit of Liability for all Insuring Agreements 

• • First party discovery trigger for a pollution condition at a Job Site 

• • Emergency Response Costs coverage 

• • Mold Matter coverage available on an occurrence basis 

• • Broad definition of Insured 

• • Definition of Bodily Injury includes building related illness and medical and environmental monitoring 

• • Definition of Insured includes the client of the insured when required by written contract 

• • Punitive, multiplied, or exemplary damages, and civil fines, penalties and assessments, where insurable by law 

• • Mediation credit 

• • Replacement Costs include Green Building Materials 

• • 90-day Automatic and three-year Optional Extended Reporting Period available 

• • Cumis Counsel where entitled by law 

Product FAQ