Environmental insurance for the construction industry

Contractors Pollution  Professional Liability (CPPL)

• General contractors
• Construction managers
• Trade, specialty, industrial contractors

Project delivery methods:

• Design-bid-build
• Design-build
• Construction management
• Engineering, procurement and construction (EPC)

• Covered operations
  Third-party pollution liability coverage for cleanup costs, bodily injury, property damage, and defense expenses arising from pollution condition(s) or biological agent condition(s) caused by covered operations. Coverage can be occurrence or claims made. Includes transportation.
• Insured’s locations
  Coverage for cleanup costs, bodily injury, property damage, defense expenses arising from pollution condition(s) on, at, under or migrating from an insured’s owned or leased location. Coverage can be time-element or gradual with retroactive date.
• Non-owned disposal sites
  Coverage for waste disposal liability. Coverage can be claims made or occurrence based.
• Public relation expenses
  Coverage for public relations expenses resulting from pollution conditions, biological agent conditions or wrongful acts.
• Professional liability
  Protection against third-party claims for damages and defense expenses resulting from a wrongful act(s) in the performance of or failure to perform professional services.
• Protective professional liability
  Coverage for ultimate loss, the recoverable amount resulting from a wrongful act by a design professional. No self-insured retention (SIR) obligation.
• Mitigation of loss
  Coverage designed to reduce exposure by proactively addressing a potential problem before it becomes a claim. Coverage applies to covered operations and professional liability.

• Broad definitions of covered operations and professional services to provide our insureds with a degree of certainty as they run their business and take on work
• Selection of counsel
• No choice of law or jurisdiction/venue provision specified
• Supplemental coverages
• Asbestos/lead based paint exclusion limited to insured’s location coverage
• Ability to offer additional limits specifically for defense expenses
• Ability to provide project specific excess limits on practice policy

Owners Site Environmental Impairment Liability (OSEIL) 

Project owners of a variety of project types, including: 

• Institutional, commercial, multi-family buildings
• Infrastructure
• Industrial construction
• Heavy construction

• Pollution liability
  Protection against losses resulting from pollution conditions at, upon, within, under or migrating from a scheduled location. Can be underwritten for preexisting and new conditions.
• Biological agent conditions
  Coverage for cleanup costs, loss and defense expenses resulting from biological agent conditions at, upon or within a scheduled location.
• Scheduled project pollution liability
  Protection against losses resulting from pollution conditions and biological agent conditions arising from covered operations.
• Scheduled project protective professional liability
  Indemnifies the insured for losses or damages exceeding the design professional’s insurance for all verified design damages. No self insured retention (SIR) obligation.
• Scheduled project third-party protective professional liability defense
  Protection against third-party professional liability claims and third-party professional liability claim expenses.
• Business interruption and extra expense
  Coverage for business interruption losses and extra expenses incurred by the insured during the interruption period resulting from pollution conditions or biological agent conditions on or under a scheduled location. Coverage is subject to a waiting period in lieu of self-insured retention.
• Transportation
  Coverage for cleanup costs, loss and defense expenses resulting from pollution conditions arising from transportation.
• Public relation expenses
  Coverage for public relation expenses resulting from pollution conditions, biological agent conditions or verified design damages.

• Definitions of covered operations and professional services specific to project owner exposures.
• Selection of counsel
• No choice of law or jurisdiction/venue provision specified
• Supplemental coverages
• Ability to offer additional limits specifically for defense expenses