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Contractors Pollution / Environmental Impairment Liability Insurance

What is the Purpose of Owners & Contractors Environmental Impairment Liability Coverage?

Contractors Pollution Liability Insurance (also known as Environmental Impairment Liability Insurance) helps protect contractors against a wide range of pollution risks associated with construction projects. Contractors face many pollution risks stemming from operations at their job sites, including but not limited to accidental release of fuel oil, chemicals or toxic gases and contaminated soil disposal. 

Shopping for a Contractor's Errors & Omissions Policy? 

Brunswick Companies' team of commercial insurance specialists provides the expertise to help you identify your exposures and simplify your insurance purchase, providing the information you need to make an informed decision. We will work with you one-on-one to identify the liability coverage plan that suits your specific needs.

We offer Contractors' Environmental Impairment Liability policies from wide range of top ranked insurers. With over 35 years of commercial insurance experience, we have the know-how and industry contacts to match your needs with the plan that best suits your goals. 

We can create a custom environmental insurance program that insures an entire project against pollution risks, including all project contractors, off-site transportation and exposures at non-owned locations.

What Does Contractor's Environmental Liability Insurance Cover?

A Contractors Environmental Impairment Policy protects your company from the liability and financial loss that can result when a covered operation results in a pollution incident, including:

• Third-party claims for bodily injury and/or property damage
• Remediation (corrective) costs at third-party or government order stemming from pollution incidents resulting from the contractor's covered operations  
• Legal defense costs for any claim (however baseless) including any resulting judgments against you including court costs, up to the coverage limits of the policy

There are specific policies for remediation operations or abatement contractors. Coverage can address lead-based products, asbestos or numerous other hazardous substances.

Who Should Consider Contractors Pollution Liability Coverage?

• General contractors: commercial, residential, municipal, highway / road, infrastructure, maintenance, mechanical, demolition, industrial, excavation, grading
• Trade contractors:  HVAC, paving, carpentry, concrete
• Specialty contractors: foundation, pipeline and tank installation, drillers
• Remediation contractors

Consider the following scenario: A paving contractor sprays an oil-based binding layer on crushed aggregate, planning to complete the asphalt roadway the following day. A heavy overnight rain causes the binding layer to run off into the groundwater supply, contaminating residential wells. Contractors Pollution Liability insurance responds to all property damage claims and clean-up costs.

Why Do I Need an Environmental Impairment Policy in Addition to a General Liability Policy? 

The pollution exclusion in comprehensive general liability insurance effectively eliminates coverage for damages, bodily injury, property damage and clean-up costs arising from most types of pollution release. Consequently, tailor-made protection for the pollution exposure is essential. 

Comparing Pollution Liability Policies 

Since the pollution liability coverage varies by insurer, policies should be compared based on items covered, exclusions, definitions and defense limits in or out of the limit. 

Brunswick Companies: Insurance Specialists for the Construction Industry 

For decades, both general contractors and trade subcontractors have trusted Brunswick Companies to provide cutting-edge insurance risk management. We have developed a team of insurance specialists who thoroughly understand the risks faced by the construction industry and the products available to protect them against these risks. Our commercial insurance and surety bonding groups work with contractors of all sizes and specialties.