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Contractors Pollution Liability for Small Businesses

Available on either a claims-made or an occurrence basis, the Contractors Pollution Liability policy helps protect small businesses against pollution conditions arising from covered operations including work performed by subcontractors. Covered losses include third-party claims for bodily injury, property damage, and environmental damage resulting from pollution conditions caused during the performance of covered operations, both on-site and migrating from the job site, and third-party claims against the Insured alleging improper supervision of subcontractors. Coverage is also provided for those Emergency Response Costs incurred by the Insured in response to pollution conditions requiring immediate action.

Features and Benefits Back To Top
  • Provides limits as low as $300,000
  • Minimum premium $1,500
  • Applies to sudden and gradual pollution conditions
  • Underwritten on a blanket or project-specific basis
  • Project policies available on a contractor-controlled or owner-controlled basis
  • Offers the pollution legal liability coverage to contractors that most standard general liability programs specifically exclude
  • Coverage can be expanded to include microbial matter (mould & fungus), non owned disposal site coverage, worldwide coverage, and terrorism coverage
  • Optional contractor’s insured property endorsement is available for owned sites for uses such as equipment storage yards, contractor fueling facilities, as well as company headquarters and offices
  • Transportation coverage is automatically included
  • Natural resource damage is included within the definition of property damage
  • Includes coverage for the insured’s emergency response costs incurred in response to pollution conditions requiring immediate action, up to the amount of $250,000
 
Claims Back To Top

As a pioneer in the environmental insurance industry, we have handled tens of thousands of pollution claims for a wide range of industries and businesses of all sizes—from a single dry cleaning operation to a multinational chemical manufacturer—to some of the largest, most complex cleanup projects in history.

Drawing on this experience, our team of claims professionals is committed to effective and expeditious claim resolution. We also place great emphasis on helping policyholders control losses and contain costs through the use of clean-up contractors, litigation management, recovery and loss engineering resources.

Mail:
145 Wellington Street West
Toronto, Ontario M5J 1H8

Tel: (416) 596-3000 or (416) 596-3001
Fax: (416) 596-4197
Email: newclaimsp&c@chartisinsurance.com