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:

  • Single contractor project specific, owner-controlled wrap-up, and contractor-controlled wrap-up capabilities
  • Contracting services coverage provided on an occurrence basis
  • Completed operations period coverage available
  • Occurrence non-owned disposal sites coverage on an unscheduled and blanket basis
  • Occurrence in-bound and out-bound transportation coverage
  • 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
  • Public Relations Expense is provided in addition to the limits of liability
  • 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 a 10-year policy term and up to 12-year completed operations period; combination of policy term and completed operations period not to exceed 17 years
  • $5,000 minimum premium
  • Covers Projects in the U.S. and Canada

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 Supplemental Application for Project Specific Contracting Services Environmental Liability Insurance
  • Project scope of work, construction values and contact specifications
  • Most recent five (5) years loss history
  • Copy of the full contract for the project

AM Best affirmed December 15, 2023.

Learn More

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

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