Contractors Pollution Liability (CPL)

A pollution incident or loss can seriously damage a contractor’s operations, balance sheet and even reputation. It’s important that you select a policy developed specifically for your industry-related coverage needs.

Contractors Pollution Liability Coverage Highlights

CPL Insurance Benefits

Chubb financial stability (rated AA by Standard & Poor’s and A++ by A.M. Best)
Option to tailor coverage for complex risks, including pollution-related blanket non-owned disposal site coverage, project excess requirements and multinationals
Environmental Incident Alert℠ – our complimentary program developed to assist clients find and dispatch qualified incident response contractors, monitor cleanup costs and mitigate potential liabilities associated with environmental releases.

Experienced underwriting specialists across the U.S. and specialized claims expertise
Broad range of risk control services available through national and international network of best-in-class engineering consultants, including environmental risk control experts from ESIS, Inc.®
Thought Leadership that addresses the complexities of domestic and global environmental regulations and compliance
Valued long term relationships

CPL Insurance Coverage

Programs can be tailored for small to major accounts:

Policy Types available including: Practice, Project and Follow-Form Excess
Coverage for domestic and U.S.-based multinational companies performing work abroad
Admitted local policies outside of the U.S. can be placed in various jurisdictions as part of a master U.S. program
Potential environmental losses for work performed by or on behalf of Named Insured
No base policy exclusions for construction defects or water intrusion
Claims-Made and Reported or Occurrence coverage triggers are available
Built-in Completed Operations coverage on occurrence form
Practice/Project-Specific Placements (Practice policy terms: up to two years/Project-specific policy terms (including completed ops): up to 17 years)
Sudden and accidental and non-sudden/gradual pollution events
Transportation coverage

Silt, Soil and Sedimentation built into the definition of Pollution Condition
Built-in first-party coverage for Emergency Response Costs
Emergency Response window of 7 days
Presence-based fungi and Legionella pneumophila item built into the definition of Pollution Condition Occurrence-based Non-owned Disposal Site coverage
Owned or leased locations premises pollution coverage may be available by endorsement
Catastrophe Management coverage
Supplemental defense limits or defense outside the limits may be available by endorsement
Loss includes civil fines, penalties and punitive damages
No jurisdiction and venue or choice of law provisions
Illicit abandonment built into definition of Pollution Condition
Project-specific policies can be written as OCIPS, CCIPS, or specifically for healthcare risks

CPL Insurance Minimums & Limits

Minimum self-insured retention: $5,000
Minimum premium from $1,500 to $5,000
Capacity available up to $25M per/aggregate limit, inclusive of legal defense costs; sub limits may apply to certain coverages and classes of business