Contracting Services Environmental Liability Insurance Policy

Covers bodily injury, property damage, legal expenses 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 products or wastes and Owned Locations.

Contractors Hard Hat Hub

This policy is suitable for many contractors, including:

  • General Contractors
  • Construction Managers
  • Specialty Trade:
      • Drywall
      • Painting / Coating
      • Electrical
      • Heating, Ventilation and Air Conditioning (HVAC)
      • Plumbing
      • Mechanical
      • Glazier / 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

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
  • Ninety (90) day Automatic and three (3) year Optional Extended Reporting Period available
  • Cumis Counsel where entitled by law

Policy Features:

  • Limits of Liability up to $50 million each pollution condition/$100 million aggregate
  • Up to three (3) year policy term
  • $5,000 minimum premium
  • Covers Contracting Services in the U.S. and Canada, including incidental foreign exposures

Our Strengths:

  • Exceptional service
  • Expert Underwriting staff
  • Collaborative and solutions oriented
  • In-house claims team of licensed attorneys specializing in contractor’s pollution liability claims handling
  • In-house Risk Engineering offering valued added services to our Insureds
  • 24/7 Emergency Response support program for all Insureds
  • AM Best Rating of A or better for over 110 years*

Submission Requirements:

  • GAIG General Application For Environmental Insurance
  • GAIG Supplemental Application for Contracting Services Environmental Liability Insurance
  • Most recent five (5) years loss history
  • Last two (2) years financial statements and/or 10-K report

*AM Best affirmed December 15, 2023

Learn More

  Product Summary Guide
  Overview of Products
  Contracting Specific Claim Scenarios
  Contracting Services Fact Sheet

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